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I imagine you mean they won’t, and you may be right. But too many people don’t even start trying to fight denials, which is why insurance companies do it. Often it doesn’t take a huge pushback to get them to change, especially if it would expose their corrupt practices. Of course, sometimes they are obdurate, and United Healthcare is one of the worst.
As for the ACA, it’s still true, at least until Trump takes office.