20:52
@Wipqozn There are reasons for a valid claim to be denied. A valid claim as in a claim where the procedure was medically necessary. For example: there might be an administrative error (typo in the name), or the provider of the procedure is out of network, or it was billed to the wrong insurer because the the insured person has a personal and a work provider
that said, many of these insurance companies have specially designed AI systems that are intensely faulty (UHC's was up to 90% faulty) yet are the sole deciding factor for who gets denied
Also, those particular denial rates are based ONLY on the insurance plans that are available through healthcare.gov