Advocates say it is discrimination and are arguing for "insurance fairness" on the grounds that people who have joints surgically replaced typically don't face the same kinds of coverage challenges.
Some quick googling shows anthem and UHC (shocker) have been specific culprits with this, being the subject of legal action (Atzin, et al. v. Anthem, Inc., et al., Case No.: 2:17-cv-6816 ODW (PLAx) and Trujillo and Harden v. Unitedhealth Grp. Inc., et al., Case No. SACV 17-2547-JFW (KKx) (C.D. Cal. 2019)) regarding their denial of claims.
https://www.advocatemagazine.com/article/2022-november/health-insurance-bad-faith-for-prosthetic-denials
Some quick googling shows anthem and UHC (shocker) have been specific culprits with this, being the subject of legal action (Atzin, et al. v. Anthem, Inc., et al., Case No.: 2:17-cv-6816 ODW (PLAx) and Trujillo and Harden v. Unitedhealth Grp. Inc., et al., Case No. SACV 17-2547-JFW (KKx) (C.D. Cal. 2019)) regarding their denial of claims.
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