How is it possible this has been overlooked since 1974?

CRC offers, as an outside service, a process to appeal bad debt insurance claims (up to six years old) under federal ERISA law as a patient advocate. ERISA law defines a healthcare denial as “anything less than 100% payment of the claim”, meaning full charges (not the PPO amount). This has the potential to deliver substantial portions of the contractuals for any claim where the commercial insurance coverage was issued by an employer (government, church and a few other minor categories are accepted).  CRC performs this process with no upfront fees and is paid a percentage of new payments delivered directly to the hospital.  CRC’s staff performs all work and answers all correspondence.  CRC’s approach has been utilized by hospitals and other providers for over ten years and they have clients from California to New York.