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Insurance Worker Approves All Claims In Defiant Exit

by Katy Nguyen
September 24, 2025
in Social Issues

At 19, OP worked for an insurance company, denying medically necessary claims despite no medical expertise. Burned out and reprimanded for slacking, she maliciously complied by approving every claim in her final two weeks, defying company guidelines.

This likely helped over 50 patients get needed care. Was OP wrong for breaking the rules to help others? Let’s dive into the details and see what the online community thinks.

This story is a bold stand against an unjust insurance system. Did OP go too far?

Insurance Worker Approves All Claims In Defiant Exit

'Stop slacking off and get to those insurance denials? Sure thing, boss?'

This happened a few years ago, but I was reminded of it because a lot of it is becoming public.

Insurance companies are not your friends and will do everything they can to save money, including not paying for your medically necessary services.

There's a lot of news coming out about insurance companies using algorithms to deny claims and doctors signing off on them.

Before algorithms, they would have minimum wage employees reading over these claims for the doctors instead.

That's what I was. I was 19 years old, working for an insurance company denying claims.

I would be the first line for doctors to call and give their case for why they thought they needed a service or medicine.

For some reason, 19-year-old me, when no medical experience, was allowed to tell these doctors that services were not needed medically.

This job was the easiest yet most miserable job experience I have ever had. I was only able to last a few months there.

During my last 2 weeks, I was really slacking off. I was just so burned out.

I couldn't stand denying yet ANOTHER case where someone needed meds and the insurance company didn't want to pay for them.

I was reprimanded for not working hard enough and getting processed. Insert malicious compliance.

I worked faster than I ever had before. That's because I approved every case that came before.

Every doctor I spoke to, I just gave them approval. Every prior authorization I saw was approved.

During my first week, I did this once and was told not to do it again because I have to follow company guidelines, but I didn't care at this point.

I probably was able to approve 50+ cases before I quit. I hope it made it difference to those people. F**k health insurance companies.

This story exposes deep flaws in the health insurance industry, where critical healthcare decisions are sometimes left to unqualified staff. OP’s actions, though against company policy, reflect frustration with a system prioritizing profit over patient care.

Medical ethicist Dr. Arthur Caplan notes, “Insurance companies often use automated denials or underqualified staff to cut costs, harming patients” (Bioethics at NYU). OP’s mass approvals were an ethical rebellion but risked legal or professional consequences if discovered.

She could consider reporting such practices to regulators or advocating for healthcare reform. This case highlights the need for transparency and accountability in the insurance industry.

Take a look at the comments from fellow users:

Reddit enthusiastically supports OP, praising her defiance and sharing personal stories of insurance denials, reflecting widespread frustration with the U.S. healthcare system. Here’s a roundup of reactions.

Many commend OP’s actions.

xHappyAcidx − This is the best one I’ve read. Thank you for your service.

darkicedragon7 − Thank you for doing the good work them last week.

Some share insurance denial experiences.

fatnflaky − My insurance company almost killed me. At 42, just last year, I had an abnormal EKG, an abnormal stress test, and an abnormal CT scan.

Insurance declined a heart cath that a cardiologist, general practitioner, and radiologist all agreed should happen immediately.

It took me changing insurance companies entirely and having a heart attack for the cath to finally be approved.

Had a triple bypass at age 42 and a heart attack that could have been prevented had the insurance company listened to the medical advice given to them by professionals...

Funny thing is, I work in the insurance industry myself. It's a very jaded view that you are left with when this happens.

Anxious_Faerie911 − It seemed like every insurance claim I had was getting denied. Then I had to spend hours on the phone jumping through all those telephone hoops to talk...

They were legitimate claims, so nearly all went through. One denied claim was the most infuriating. My son broke his wrist falling off his bike.

I called his doctor, who told me to go to the emergency room. We went, and our son came home in a cast.

The claim was denied because I didn’t get pre-authorization first. Doctors require 3-5 days to provide the pre-approval paperwork.

Since when do you have to wait 3-5 days to go to the emergency room when your child breaks a bone?

Can you imagine the people with heart attacks being told by their insurance company that the claim was denied due to not getting pre-approval?

MorganRose99 − I worked in a pharmacy for over a year, and the pharmacist I worked with was one of the best in the county (possibly the state).

One day, she was talking to a customer, and I overheard her say, "I've been working here for 14 years, and I still don't understand insurance."

No offence, but it makes sense that those Prior Authorizations could have been based on someone still young enough to be in high school, basically just going "yeah, sure" or...

F**k insurance companies, they cause at least 80% of our issues, most likely closer to 90%.

sammyno55 − Where were you this past week? I went to see my GP on Friday afternoon and had 2 prescriptions called in to the pharmacy.

I received a message that they were ready for pickup around 5 PM. I arrived at the pharmacy a bit before 6, and one of the meds was denied by...

I called the insurance company and talked to a person (he may have been on the West Coast and was still at work).

He indicated that the doctor needed to approve the medication. I asked, "Isn't that what the prescription is?"

He said that the insurance company needed further approval. I still don't understand what more they need.

A few criticize the insurance system.

CdnPoster − What exactly is the point of insurance if they're going to deny claims willy-nilly???

lifeofideas − This brought tears to my eyes (in a good way). Truly, Americans need a real national health care system.

If we can use taxes to pay for highways, airports, armies, and stadiums, we should be able to use taxes to keep Americans in reasonably good health.

DefrockedWizard1 − When I was a working physician, the worst part of my life was dealing with insurance stuff.

Now that I'm disabled and can't work, the worst part of my life is dealing with insurance stuff.

beezzarro − Our government in Canada stepped in to end talks about allowing any private healthcare to get a foot in the door here.

That really says something: "Our system may be failing, our constituents may have to wait months to see a doctor, all medical operations are delayed if they're not critical, and...

Edit: Our PROVINCIAL government here in Canada.

As another commenter reminded me, healthcare is a provincial issue.

farrenkm − First of all, thank you for serving the people instead of the company! But this raises the question: What were you allowed to approve that wouldn't get you...

ungratefulshitebag − I genuinely don't understand insurance in America. Here we have the NHS, and we also have private insurance available, but many people don't bother with that, as it's...

I pay for insurance and have never had a single issue making a claim. I broke my leg in November and have a nonunion union so I need another surgery.

I made a 5 minute phone call today where they immediately approved for my CT scan and follow up appointment and gave me the procedure for approving the surgery (procedure...

She also added in "Additionally, if you'd like to arrange a consult with a different surgeon just to get another opinion and confirm they agree with the proposed treatment plan,...

I didn't even ask about that. That's just an extra thing they're willing to pay for that they made me aware I could have if I wanted it.

In 1 year, I claimed more than I have paid into the policy in the entirety of the 8 years.

I still have no issue making claims for anything I need. (I visit doctors and hospitals more than I see my parents. I was unlucky when it came to the...

Every-Requirement-13 − What pisses me off is why they think they have the right to dictate the quality of life someone lives.

Especially when WE are the ones paying for the damn insurance! !! I’ve had a surgical procedure denied because of the “temporary code” that is used to classify it.

It’s a newer non-invasive surgery, so I don’t have to have my joint fused together with bolts, but my doctor said the insurance would probably approve the old school surgery...

Like I’m in my 40s and not sure I want my joint fused together with bolts just yet. I HATE our f’d up medical care system in the US!

nansi35 − You have to really get on their ass as your own advocate. I was diagnosed with cancer.

My chemo was approved, but they didn't approve radiation. They didn't deny it; they just were dragging their feet.

Chemo and radiation therapy work together, which is why you usually have them together.

I had to call them and tell them that my cancer had no doubt spread in the freaking 2 months that I was waiting for any treatment, and per one...

Which would cost them big time. The approval came through an hour later.

dsdvbguutres − Let's privatize health insurance, and let the insurance company determine whether the insurance company should cover the cost of healthcare.

Dictionary definition of conflict of interest.

OP wasn’t wrong for approving every insurance claim to defy an unjust system, potentially helping over 50 patients. Reddit praises her courage and shares outrage at the insurance industry.

How can the insurance system be reformed to prioritize patients? Have you faced unfair claim denials? Share your stories!

Katy Nguyen

Katy Nguyen

Hey there! I’m Katy Nguyễn, a writer at Dailyhighlight.com. I’m a woman in my 30s with a passion for storytelling and a degree in Journalism. My goal is to craft engaging, heartfelt articles that resonate with our readers, whether I’m diving into the latest lifestyle trends, exploring travel adventures, or sharing tips on personal growth. I’ve written about everything from cozy coffee shop vibes to navigating career changes with confidence. When I’m not typing away, you’ll likely find me sipping a matcha latte, strolling through local markets, or curled up with a good book under fairy lights. I love sunrises, yoga, and chasing moments of inspiration.

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