I would also add that those of us on HM are probably more likely to have good insurance versus what most Americans have access to. Insurance carriers like low

I would also add that those of us on HM are probably more likely to have good insurance versus what most Americans have access to. Insurance carriers like low risk and thrive on people not fighting adverse decisions either because of a lack of time and resources or knowledge. The variables matter. My insurance carrier has also never denied a claim, but I’m in more or less good health for my age, have an HSA (at a bank owned by the insurance company) with a significant annual contribution from the issuing employer, and I don’t have anything going on (at the time I write this) that would end up in medical review. And if I did have to deal with that, theres financial cushion available to me to rely on while I fight it out with insurance.