Insurers’ denial rates — a critical measure of how reliably they pay for customers’ care — remain mostly secret to the public.
The Big Story
Wed. Jun 28, 2023
Insurers’ denial rates — a critical measure of how reliably they pay for customers’ care — remain mostly secret to the public. Federal and state regulators have done little to change that.
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Help Our Reporting

My name is Maya Miller, and I’m an engagement reporter working on our ongoing investigation into the industry behind health insurance claim denials.

We recently published a guide explaining how patients can request files that show why their claim was denied, including audio recordings of insurance company employees’ phone calls, internal notes and information on any cost-saving programs cases have been flagged for.

Some patients tell us they use the information in claim files to craft more effective appeals. Others learned how much their health plans estimated they would save by changing their treatment. A few have even obtained audio recordings of phone calls showing health plan staff introducing errors into their case records.

Taken together, these documents offer a window into the opaque system of health care denials.

The information in your claim files could help us identify systems that insurance plans are using to deny claims; we’d like to know more about what you’re able to learn. Here’s a form where you can upload your files to help inform our reporting.

If you submit files, ProPublica reporters will be the only ones reading them. We appreciate you sharing your information and we take your privacy seriously.

Learn how to request your health insurance claim file, which can include details about what your insurer is saying about you and your case.
Insurers deny tens of millions of claims every year. ProPublica is investigating why claims are denied, what the consequences are for patients and how the appeal process really works.
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