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> There is always going to be an insurance company with "the highest rates of claim denials". On its own that means nothing.

Statistically they should all be in the same ballpark. The industry average is 16%, but UHC has 32% so double! No reason for that.



Why should the rates always be the same? Different insurers can make different decisions about who they insure and what they insure and how they insure. This would (entirely reasonably) result in different rates of claims and whether or not they are accepted/denied.




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