The Rising Tide of Insurance Denials: Implications for Patients and Alternative Solutions

Healthcare insurance denials are becoming more common, leaving many patients frustrated and financially burdened. With insurers increasingly rejecting claims, even for essential treatments, more people are forced to navigate an unpredictable system that often works against them. In this blog, we explore why insurance denials are on the rise, what it means for patients, and how alternative healthcare solutions like Kurv Health can help.

Why Are Insurance Denials Increasing? Insurance companies have strict policies on what they will and will not cover, and these rules are tightening. Some of the leading reasons for denials include:

• Prior Authorization Requirements: Many claims are rejected because they weren’t pre-approved by the insurance company, even if the treatment was necessary.

• Coding Errors: Something as simple as a misfiled code by a healthcare provider can result in a denied claim, leaving patients with unexpected bills.

• Policy Exclusions: Insurance companies often deny claims based on technicalities, such as treatments falling outside their policy coverage.

The Impact on Patients For many patients, denials mean delayed or inaccessible care. They may be forced to pay out-of-pocket, appeal the decision (which can take months), or forego treatment altogether. In some cases, patients facing medical emergencies have been stuck with massive bills due to insurance loopholes.

How Kurv Health Offers a Better Alternative Kurv Health eliminates the frustration of denied claims by removing the insurance middleman entirely. With our membership model, patients receive clear pricing, instant reimbursements, and access to healthcare without unnecessary red tape. Instead of battling insurers, patients can focus on what matters most—their health.