#the true solution to the problem presented here is the abolition of the capitalist system that manufactures it.

[guiltyidealist]

It should be a criminal offense if an insurance company is responsible for a delay in a policyholder's necessary health care.

Withholding prescribed treatments, even for just a day, can be anywhere from inconvenient to catastrophic for the victim. Medical providers may not withhold necessary treatment from any patient on any grounds, as it is their duty to provide it-- it should be justly illegal for any "middle man" to interfere with a medical provider's legal and ethical obligation to treat a patient.

Severity of the charge and its legal consequences should depend upon the scope of the offense (length of delay) and its consequences to the victim (impact on the person).

The testimonies of the victim, the pharmacy, and the medical provider who prescribed the treatment should be key considerations for the determination. Additional important testimony should come from the victim's other medical providers, housemates, family, educators/mentors, colleagues/coworkers, or employers.

The charge should become criminal record for the company. The company (perhaps the agent's office) should be fined per day delayed.

Some taxation can be applied; just to pay off the folks who do the filing, advocacy, testimony, processing. A hefty majority of the fine should be compensation owed to the victim.

If delays became a criminal charge on companies' records, then companies would have a strong motive to terminate agents who aren't performing with punctuality. It would become their best financial interest to invest only in timely agents who would, in turn, gain a best interest to invest only in timely subordinates.

I posit that insurance delays would wane significantly, resulting in more timely delivery of treatments to policyholders, and many people's qualities of life would improve drastically for it.