To further Matt's point, the job title for insurance company employees tasked with the job of denying claims -- is just that -- CLAIMS DENIAL SPECIALIST. 70% of Americans favor single-pay. 70%! Oh Bama? Why didn't you dance with the people who took you to the party? Rather, you've catered, hat in hand, to the insurance industry. And, indeed, the right wing. When all they really want to do with your ass, is to tar and feather it.