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United Heath would routinely deny payment for the entire visit if my doctor did anything besides look at the initial issue during an appointment. Let's say I was there for ear pain and my doc said I was due for a vaccination, UHC would deny payment for everything. Since making a second appointment for the vaccination was far more expensive, the only possible reason for this was that a certain percentage of people would pay the bill and United Health could just steal from them and pocket the money.
I spent many hours on the phone after doctor visits demanding they pay the bills as my policy's contract required. I wonder how much the UHC crooks made because of the people who just paid the doctor bills and UHC was able to steal money they didn't earn?
United Health Sucks.
UHC denied coverage after the fact for my wife's gall bladder removal surgery because they claimed she was insured with a other carrier through her previous employer. That got straightened out with a couple phone calls, but it was still ridiculous.
Even more ridiculous, though, was the time that they convinced a former insurer of mine to retroactively deny already-paid claims, on the (false) basis that they had been my primary insurer in that time period, only to then deny those same claims when the doctor resubmitted them on the (correct) basis that I had no active policy with them at the time! I suspect that it was a case of a faulty automated system rather than active malice, but the net result was a massive headache for three unrelated parties and a mind boggling amount of paperwork on my part, because they couldn't be bothered to write software that could properly handle the same person having two different policies with a gap between them.
IMO when dealing with corporations, after they've been notified once of a problem like yours, any others that happen because they haven't fixed their systems are clearly active malice. It is almost certain they've been notified of this kind of problem many, many times. It is also almost certain UHC hasn't fixed anything at all.
Corporations are legal persons but our society and government consistently hold them far lower standards than real persons face. They literally murder but don't face jeopardy from criminal laws, poison people and are met with a slap on the wrist, and enrich themselves while paying only a small fraction of their illegal profits in fines when they're caught. Can you imagine the penalties if you or I did these things?
The world would be a far better place if UHC was held to the same standards as the people they insure.
Can one sue an insurance company over denied coverage/breach of contract and ask for like a millionaire compensation?
Seems like if that caught on, they'd be heavily disincentivized from denying coverage. A few high profile cases hitting them in the wallet would go a long way...