Ubiq
That’s the nature of any insurance business. They won’t pay unless pressed to do so. Did you ever try to file a claim with a car insurance company? Especially a third party’s? How about homeowners?
Small example: health insurance company refused to cover a regular delivery. Patient had coverage and premiums up to date. Company delays compensation for no reason until patient’s attorney threatens legal action. Suddenly doctor’s and hospital fees plus interest are covered.
I’m sure you are aware of similar scenarios happening all the time. More regulation won’t help.
Insurance companies try to get away with paying as little as possible or nothing at all. Most of the time patients don’t realize and pay a larger copay or deductible than necessary.
(Did you miss my post about cobra?)