INSIDE AN INSURANCE INDUSTRY DENIAL MACHINE

The first concept you need to understand is the Medical loss ratio. You and I are losses in insurance industry lingo.

The medical loss ratio refers to the percentage of dollars actually spent on medical care versus administrative costs or profit. The higher the ratio, the more money is being spent on actual delivery of care. Components of the medical loss ratio include payments to physicians, hospitals, pharmacists and other providers of health care.

For example an unheard of medical loss ratio of 91 percent, means that 91 cents out of every dollar goes to practitioners and providers. This never happens, of course. Most medical loss ratios are in the neighborhood of 80 - 81 percent. The mission of the U.S. insurance industry is to keep this ratio as low as possible. The way they do this is with companies like TC3 Total Claims Capture and Control which I'm going to introduce you to today. When the medical loss ratio creeps up, the for-profit insurer turns to TC3 to bring it down.

Let's take a look at this denial machine called TC3.

I've selected this company for some well-deserved scrutiny, but you should understand, there are tons of companies just like this one.These companies sell insurers computer programs and claims management protocols designed to reject as many legitimate claims as possible. Also keep in mind, that for many, once a claim is rejected, the process of an appeal is so daunting and overwhelming, that many of these claims go unpaid. This is part of the scandalous business model of the insurance industry.

The regulators have disappeared so I defy you, as an individual, to take on the TC3 Funnel once they have "targeted" you and your doctor for a denial. And make no mistake, TC3 brags to its customer base that "targeting" is how they achieve savings.

Total Claims Capture & Control is such a deserving parasite, is there no one who will give this parasite a home?