Your Health Insurance Company Plans on Denying Your Claim. Here’s What to Do About It.
Open season is here again. That time of year when we’re told to “review our options,” but the truth is, for most people, the options aren’t getting better.
Across the country, insurance companies have already announced that they’ll be raising premiums in 2025. Some plans are going up by double digits. And as those premiums rise, networks are shrinking, deductibles are climbing, and covered services are being quietly reduced.
So even if you’re “covered,” there’s a good chance you’re paying more for less.
The Reality of Health Insurance Denials
Let’s talk numbers.
According to the latest data from the Kaiser Family Foundation, nearly 1 in 5 in-network claims are denied by insurers on the federal marketplace. And that’s just the average… Some insurers deny over half of all submitted claims!
On top of that, 17% of insured adults report that their insurance company denied a provider-recommended test or treatment in the past year. These are people doing everything “right”: paying their premiums, staying in-network, and still being told “no” 🤯
So yes. Your health insurance company is already planning to deny your next claim. That’s part of how the system stays profitable.
The Alternative: Direct Primary Care
At TrueCare DPC, we believe your healthcare shouldn’t depend on permission from the insurance mafia.
Instead of paying a premium, deductible, copay, and cost-share, our members pay one low monthly fee. That fee covers all their primary care needs: same-day visits, extended appointments, dry needling, basic labs, and generic medications shipped to your home.
It’s care that’s direct, personal, and affordable.
Even better, while insurers are raising their prices, we’re doing the opposite. As our membership grows, we’re able to expand our services and lower our rates. Our goal is simple: make quality primary care accessible to every family in Fayetteville.
A Smarter Way to Be Covered
For many of our members, the best setup looks like this:
Keep a high-deductible health plan or cost-share plan for major medical expenses.
Pair it with a TrueCare DPC membership for everything else. That’s everyday care, prevention, and chronic condition management.
That combination gives you true coverage: catastrophic protection when you need it, and unlimited, direct care for everything else.
It’s a model that saves thousands per year while actually improving access to your provider.
The Bottom Line
Insurance companies will continue to raise rates and limit access. That’s not changing anytime soon. But you don’t have to stay trapped in that system.
With TrueCare DPC, you can choose a better path:
Affordable monthly membership
Direct access to your provider
No surprise bills
Growing services, shrinking costs
Because healthcare should serve you, not your insurance company.
