The CEO is handing down directives to deny more and more claims to increase profits more each year. And nobody is denying claims, because United is starting to use AI and algorithms to automatically deny them without a person ever seeing it. Ultimately the CEO is responsible for that.
United is the worst in the industry for denying claims. I highly doubt people with United insurance are faking claims or going to fraudulent doctors at rates higher than any other insurer. They doubled their rate of denials for Medicare Advantage claims between 2020 and 2022.
There's a whole Senate report detailing what they've done. Are they the only insurer doing this? No. But they're by far the worst.
At the end of the day if a doctor says something is medically necessary, an algorithm or AI shouldn't be the one saying it's not. That's 100% something the CEO can change. He makes millions of dollars every year because his only concern is increasing profits more and more. They made $23 billion in 2023, how much more do they really need? If health insurance is to have a place in our healthcare system it's purpose should be to serve the patient, not to make more and more money each year.
And before anyone makes the argument insurance companies keep costs down by denying unnecessary care, United has been sued by the DOJ on multiple occasions for faking diagnosis and creating fake patient information to get more money out of Medicare claims. Insurance companies don't actually care about keeping costs down, they just want an ever increasing amount of profit. And if people die or go bankrupt due to denied claims to get that profit they couldn't care less.