Bob Herman

And that's where it becomes a problem because if you're saying this algorithm spits out 16 days for somebody and they're not ready to go home on the 16th day, if they can't even go to the bathroom themselves, if they still can't walk around, but the algorithm says time to ship them out, that's where it's a problem. And that's what's happened. And then families are left with a decision of,

And that's where it becomes a problem because if you're saying this algorithm spits out 16 days for somebody and they're not ready to go home on the 16th day, if they can't even go to the bathroom themselves, if they still can't walk around, but the algorithm says time to ship them out, that's where it's a problem. And that's what's happened. And then families are left with a decision of,

And that's where it becomes a problem because if you're saying this algorithm spits out 16 days for somebody and they're not ready to go home on the 16th day, if they can't even go to the bathroom themselves, if they still can't walk around, but the algorithm says time to ship them out, that's where it's a problem. And that's what's happened. And then families are left with a decision of,

Do I pay out of pocket to stay at this nursing home to get the care that my mom or dad or grandparent needs? Or do I take them home with me and then risk having them fall or get hurt again and have to go back to the hospital or worse? So that's how the algorithms play in those types of situations. And people know this is happening and they're mad about it. On the Medicare Advantage side,

Do I pay out of pocket to stay at this nursing home to get the care that my mom or dad or grandparent needs? Or do I take them home with me and then risk having them fall or get hurt again and have to go back to the hospital or worse? So that's how the algorithms play in those types of situations. And people know this is happening and they're mad about it. On the Medicare Advantage side,

Do I pay out of pocket to stay at this nursing home to get the care that my mom or dad or grandparent needs? Or do I take them home with me and then risk having them fall or get hurt again and have to go back to the hospital or worse? So that's how the algorithms play in those types of situations. And people know this is happening and they're mad about it. On the Medicare Advantage side,

Most people actually don't. They're not aware as much on this because the algorithm happens behind the scenes. It's not like families are getting a sheet of paper saying, hey, our algorithm says you have this much time here. They really don't find out about this until the nursing home says, hey, your insurance is up and we have to kick you out. Now,

Most people actually don't. They're not aware as much on this because the algorithm happens behind the scenes. It's not like families are getting a sheet of paper saying, hey, our algorithm says you have this much time here. They really don't find out about this until the nursing home says, hey, your insurance is up and we have to kick you out. Now,

Most people actually don't. They're not aware as much on this because the algorithm happens behind the scenes. It's not like families are getting a sheet of paper saying, hey, our algorithm says you have this much time here. They really don't find out about this until the nursing home says, hey, your insurance is up and we have to kick you out. Now,

The denials are very front and center in other insurance plans where they say like, oh, you know, I need this back surgery or I need this prescription. And then United will come along with maybe a prior authorization, which just says, hey, doctor, fill out more paperwork to make sure that this person needs this procedure and needs this drug.

The denials are very front and center in other insurance plans where they say like, oh, you know, I need this back surgery or I need this prescription. And then United will come along with maybe a prior authorization, which just says, hey, doctor, fill out more paperwork to make sure that this person needs this procedure and needs this drug.

The denials are very front and center in other insurance plans where they say like, oh, you know, I need this back surgery or I need this prescription. And then United will come along with maybe a prior authorization, which just says, hey, doctor, fill out more paperwork to make sure that this person needs this procedure and needs this drug.

And then maybe they'll come back with a denial then that says, we're not going to cover this procedure or this prescription drug. That's where it's most front and center for people. That's where I think a lot of the outrage comes from. It's just those widespread kind of delays and denials there. And anyone can appeal any denial, but it is such an arduous process that

And then maybe they'll come back with a denial then that says, we're not going to cover this procedure or this prescription drug. That's where it's most front and center for people. That's where I think a lot of the outrage comes from. It's just those widespread kind of delays and denials there. And anyone can appeal any denial, but it is such an arduous process that

And then maybe they'll come back with a denial then that says, we're not going to cover this procedure or this prescription drug. That's where it's most front and center for people. That's where I think a lot of the outrage comes from. It's just those widespread kind of delays and denials there. And anyone can appeal any denial, but it is such an arduous process that

If you're sick or injured, that's not something you want to be doing. And you might not have family to help you out either. So it is very clearly a problem.

If you're sick or injured, that's not something you want to be doing. And you might not have family to help you out either. So it is very clearly a problem.

If you're sick or injured, that's not something you want to be doing. And you might not have family to help you out either. So it is very clearly a problem.

Yeah, I think that's right. This is systemic. This is not isolated to just UnitedHealthcare. UnitedHealthcare gets the most... criticism and heat for this because they are the largest, I mean, they're just a very common provider for any workplace plan. But, I mean, there are other large insurers. This is a very common thing. Cigna, Aetna, all the Blue Cross Blue Shield plans, Humana.

Yeah, I think that's right. This is systemic. This is not isolated to just UnitedHealthcare. UnitedHealthcare gets the most... criticism and heat for this because they are the largest, I mean, they're just a very common provider for any workplace plan. But, I mean, there are other large insurers. This is a very common thing. Cigna, Aetna, all the Blue Cross Blue Shield plans, Humana.