> if you're saying they actively decide denial rates at management level to hit profit targets, I don't buy it. To believe in that, first you need to believe t

> if you're saying they actively decide denial rates at management level to hit profit targets, I don't buy it. To believe in that, first you need to believe that somehow any executive of a company has no control over the company, does not have a duty to make certain things are done a certain way, nor is accountable for how the company is managed.