Also executive dysfunction (fancy word for the motivation and planning it takes to do complex tasks like navigating bureaucracy) is a symptom of pretty much every mental illness ever making them the easiest population to collect a premium from then bury in paperwork and by doing so never actually have to pay out for services. When you add in having the government cut a check perr poor person to insurance companies to provide state benefits it basically becomes an infinite money glitch that churns faster the more people you force into poverty.
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Wow. I never considered executive functioning and neurodivergent related behaviors as predictable patterns for insurance companies to exploit, but you're absolutely right.
There's been articles written about it actually. Google "health insurance ghost networks" for more info but the short version is that you know how the only utility of a middleman is to provide convenience? They get to keep more money every time you can't figure out which doctors they actually cover. They actually get MORE money for being WORSE middlemen.
Works very well for social security
UnitedHealth is pure evil.
If anyone ever burns down UnitedHealth facilities or murders anyone in their executive leadership, just know that if I am on your jury you are going to be acquitted.
Insurance companies suck, and UHC sucks the worst.