The negotiating power And the more predictable process. Private insurers (especially UHC) are notorious for changing up the minutiae of the claims process in

The negotiating power And the more predictable process. Private insurers (especially UHC) are notorious for changing up the minutiae of the claims process in order to increase the proportion of claims they deny. There's a cost associated with having to maintain a huge staff just to hassle with for-profit insurance companies.