Counterforce Health Team

The Secret Power Imbalance in Self Funded Plans When your health insurance claim is denied, you're not just fighting an insurance company—you're challenging a complex legal framework that few patients understand. And if you're among the 65% of American workers covered by a

The Growing Medicare Advantage Denial Crisis The numbers are alarming. According to a groundbreaking Office of Inspector General (OIG) investigation, Medicare Advantage denial rates have nearly doubled since 2020, creating an unprecedented crisis for millions of seniors and disabled Americans who depend on these plans for their healthcare. The investigation

The Surprise Medical Bill Crisis: Understanding Out-of-Network Denials You did everything right. You checked that the hospital was in-network before your procedure. You verified your insurance coverage. You even called your insurer to confirm benefits. Then the bills arrived. Suddenly, you're facing thousands of dollars in out-of-network charges.

The Insurance Denial Crisis, Shocking Numbers You Need to Know In today's healthcare landscape, a disturbing trend continues to unfold. Nearly one in five insurance claims (19%) submitted for in-network services are denied, according to the most recent analysis of HealthCare.gov marketplace plans. For out-of-network claims, the

Your doctor has recommended rhinoplasty to address your breathing difficulties, repair structural damage, or correct a congenital abnormality. You've submitted the claim to your insurance company with hope and expectation—only to receive that dreaded denial letter. This scenario plays out thousands of times each year across America,

Your doctor prescribed physical therapy to help you recover from an injury, manage chronic pain, or regain mobility. Then the frustrating news arrives: your insurance company denied your claim. According to recent healthcare statistics from the American Medical Association, physical therapy is among the most commonly denied medical services, with

"I'm sorry, but your insurance has denied your surgery request." These words hit James Morgan like a physical blow. For months, he had endured debilitating back pain that radiated down his leg, making simple tasks like putting on socks or picking up his grandson impossible. After

Mark woke up exhausted—again. Despite finally getting diagnosed with obstructive sleep apnea after years of debilitating fatigue, his insurance company had denied coverage for his prescribed CPAP therapy. The denial letter claimed his condition wasn't "severe enough" to warrant treatment, despite his sleep study showing

When Sarah received her son's autism diagnosis, her developmental pediatrician recommended genetic testing to identify any underlying conditions that might affect his treatment plan. But when she submitted the request to her insurance company, she was shocked to receive a denial letter claiming the test was "experimental&

Sarah Jenkins sat in her car, stunned, holding the letter that had just arrived. Her insurance had denied her bariatric surgery—again. This was her third denial in eight months despite her worsening diabetes, joint pain, and sleep apnea. Her doctor had called the surgery "medically necessary," yet