For over 20 years, I’ve been entrenched in the grueling battlefield of Revenue Cycle Management, fighting tooth and nail against insurance payers to ensure that medical providers get the reimbursement they deserve. In that time, I’ve witnessed some of the most disturbing and infuriating trends imaginable.
First: I’ve watched in outrage as insurance corporations have shifted more and more financial responsibility onto patients in the form of skyrocketing copays and deductibles. This cruel practice forces patients to delay or forego critical care because they simply can’t afford it. Those who can’t wait any longer—desperate and in pain—are pushed into crushing debt, with many facing bankruptcy over medical emergencies their so-called "insurance" refuses to fully cover. To add insult to injury, these corporations make the providers, the very people who care for patients, responsible for collecting the money that the insurers refuse to pay. The providers, not the greedy insurance companies, are left looking like vultures.
Second: The unchecked greed and power of these insurance payers have turned them into monstrous corporate overlords. They’ve rigged the system to serve their interests, infiltrating our political process and shaping legislation like the Medicare Modernization Act and the No Surprises Act to protect their obscene profits. These laws are not designed to protect patients or providers—they’re engineered to tighten the stranglehold of these insurance vampires.
Third: I’ve witnessed the heartbreaking extinction of independent hospitals and physician practices, crushed under the weight of the impossible complexity of dealing with these soulless insurance corporations.
Large health systems may have the clout to fight back, but smaller hospitals and providers don’t stand a chance. I’ve worked with three hospitals and countless providers who, unable to join a larger system, were forced to shut their doors.
Years later, driving through those towns was like entering the aftermath of an apocalypse—businesses shuttered, communities hollowed out, and the vibrancy of these once-thriving areas reduced to desolation. The culprit? Insurance vampires that sucked the lifeblood out of these communities. As their profits soar, so too do the number of patients crushed by bankruptcy and providers forced to close forever.
That was the breaking point for me. It saddens me that debt collection, denial management, and early out strategies are still necessary evils to keep providers afloat. And while I still do my best to help providers navigate this corrupt system, we must do more than fight these battles one claim at a time. We need to take the fight to another level.
Write-Off Warrior is my answer—a research and advocacy firm dedicated to exposing and dismantling the profiteering machine of these insurance payers.
Our mission is clear: To save patients and the medical providers who care for them from this vicious cycle of greed and destruction.
Over the decades, insurance payers and their lobbyists have intentionally created an unfair and predatory status quo that ensures big bucks for executives, shareholders, and the politicians in their pocket – while leaving everyone else holding the bag.
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