Our health insurance system is in crisis. Insurance companies have tremendous power to not only dictate the care that a patient may receive, but also to determine who pays for the care after it is received. This results in a shockingly high number of health insurance claim denials. The reasons typically given are that the care was not pre-authorized, or the services were not medically necessary, or that necessary out-of-network care is not an emergency, or that the policy is being rescinded for alleged misstatements on the application for insurance, any one of a number of other exclusions in the policy that make one believe that what is not covered is greater than what is.