“The act of signing a denial is practicing medicine.” — Dr. Tracey Hurley If a physician makes a medical decision and that decision harms a patient, we are held accountable. That is how medicine works. Yet insurance companies make treatment decisions every day through denials and prior authorizations, without ever seeing the patient and without meaningful accountability when those decisions cause harm. In this powerful investigation, Erin Moriarty of 48 Hours examines how insurers are increasing