1. When health insurers say no:
Like probably every other family in America, ours regularly has claims we submit to our health insurer rejected — with little or no explanation and no recourse from the company’s always-on-hold telephone hot line. Yet lately I’ve been seeing ads from health insurers projecting friendly, caring images. My favorite is the television and print campaign from United HealthCare featuring a girl who develops asthma but is shown swimming and even surfing because United, which sells insurance under the Oxford and other brands, has gotten her “specialists, lots of doctors, lots of advice…that help her pediatrician coordinate your child’s care and make sure all doctors are on the same page….” The ad trumpets United’s “more than 78,000 people looking out for 70 million Americans. That’s HEALTH IN NUMBERS,” the ad concludes.