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"When insurance companies can wield and abuse their power to alter prescriptions and dictate treatment decisions, this abuse erodes doctors' autonomy and undermines the mutual trust that is the foundation of the doctor-patient relationship. Doctors should be the primary voices for the course of action taken for their patients." Todd Novak, author "Health Insurance Denials: A Common American Death Story Exposed" shares the following: Denials of health claims that result in needless suffering and deaths Alarming statistics to support the part healthcare and pharmaceutical corporations play in this tragedy. Tricks of the trade by unscrupulous insurers to deny, delay, confuse and refuse legitimate claims. The deathblow of insurers rescinding or cancelling policies by finding loopholes that naive innocent people don't see. Government intervention constraints by the FDA that ties the hands of doctors who are hypersensitive to writing sorely needed prescriptions fearing loss of licensure. Court cases that provide hope for individuals Big Pharma's stranglehold on America Pharmacy benefit mangers (PBMs) monopoly that sets prices patients pay for skyrocketing prescription drugs. Drugstore chains "secret checklist" that causes a disproportionate number of Americans denial of prescriptions without cause or irrespective of their legitimacy. "Health Insurance Denials: A Common American Death Story Exposed" provides a solution to this problem with proposed "American Healthcare Act 101." This bill advocates a nonprofit health care system that will be supported and paid for by all business and corporations paying the same amount they pay now in health insurance premiums along with approximately three cents off each dollar that is now taken by payroll tax and Medicare tax. Other provisions include eliminating the stranglehold of big pharmaceutical companies and health insurance companies that disrupt the flow of medical necessity between doctor and patient.