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Comment by jalapenos | Hacker News Reader

It's as if you need insurance for the insurance.

Does anyone know if this service exists? E.g. if they deny, you don't even talk to them, you forward it straight to your insurance insurance and their lawyer instantly threatens to sue them?

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Some employers will have healthcare concierges that help with resolving such issues. An example is HealthAdvocate[1] (no relation). I believe some of these services will take a cut (e.g. 25%) of the money they save for you.

I cannot speak to how effective these services are. My general experience with "proxy" services have not been great, due to inadequate care or training.

[1] https://www.healthadvocate.com/site/product-index/engagement...

So we pay people to deny coverage, and then we also pay people to deny the denying. Broken Window Theory hard at work!

It's the societal version of Kurt Vonnegut Jr's "dynamic tension." Just muscles pulling against muscles for their own sake, with no actual work getting done. Surely this is a recipe for downfall.

It does! It's called supplemental insurance and is specially for when insurance denies your claim. It's quite nice since the event is simple to get covered. You have the denial letter from insurance and a statement from your doctor that says it's medically necessary and you're done.

Do you have an example provider/plan?

I don't know the specific plan since it's through $employer but it's through Aflac. I actually hope my insurance denies me now because it's better, they pay in full and I don't have to be in-network.

That's really cool, cheers

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