Here is crazy that pretty much every F500 CEO is complicit in 1. They self insure - good thing 2. They hire a third party administrator that is owned by a Too Big To Care insurance company. - Really Bad 3. They allow that TPA to deny care determined by the doctors that the TPA selected to be in network - Horrifically bad 4. They don’t tell the CEOs about the denied care , when it’s their money and ultimately their decision as to whether they should pay for care - more horrific 5. Employees and their families get sicker while the denial is appealed. Again, when the ceo has no clue. Even if the cost to help the patient could a small amount. - insane Big self insured companies do dumb shit that makes the cost of care in this country far higher than it should be. It’s not their core competency and they often listen to consultants whose interests are not aligned with theirs.