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Denied Care, Divided Nation: How America Fails Its Sickest Patients—and the People Fighting Back

BLACKPRESSUSA NEWSWIRE — Across America, families are being broken not by illness alone, but by the quiet cruelty of denial letters from insurance companies.

Published

6 months ago

October 8, 2025

Stacy M. Brown

By Stacy M. Brown
Black Press USA Senior National Correspondent

Across America, families are being broken not by illness alone, but by the quiet cruelty of denial letters from insurance companies. Patients in crisis are told their care is not medically necessary. Others learn too late that their coverage has been canceled. The denials come swiftly, the appeals take months, and the system often feels rigged against the very people it was built to protect.

A ProPublica investigation revealed just how devastating those denials can be. In North Carolina, Teressa Sutton-Schulman and her husband, identified as “L” to protect his privacy, endured escalating mental health crises. After two suicide attempts in 11 days, Highmark Blue Cross Blue Shield repeatedly denied payment for psychiatric treatment. Hidden on page seven of a denial letter was a single line about a right to an external review. Desperate, Sutton-Schulman filed for that review. An independent physician overturned the insurer’s decision and forced the company to pay for more than $70,000 in care, ProPublica reported. “Appeal, appeal, appeal, appeal,” said Kaye Pestaina, a vice president at the nonprofit health policy group KFF, who has studied external appeals. “That’s all you have,” she told ProPublica.

The right to an external appeal was expanded by the Affordable Care Act in 2010, but the protections are uneven. Karen Pollitz, who helped draft the federal regulations under the Obama administration, told ProPublica that insurance lobbyists weakened the process. She said only a fraction of denials are eligible for external review and, in most cases, insurers still choose the reviewers who decide the fate of patients’ appeals. “There are all kinds of ways they could strengthen the laws and the regulations to hold health plans more accountable,” she said. Even when laws exist, few Americans know where to turn. That is why state-based consumer assistance programs, established under the Affordable Care Act, have become a vital safety net — though many states never created them, and others have defunded theirs. About 30 states still operate programs that guide patients through internal and external appeals, while the rest leave families largely alone.

“Every state needs one of these programs,” said Cheryl Fish-Parcham, director of private coverage at Families USA. “Health care is so complicated, and people really need experts to turn to,” she told ProPublica. Those experts are often housed in attorney general offices, state insurance departments, or nonprofit agencies. Maryland’s Health Education and Advocacy Unit, for example, has been a lifeline for residents struggling with denied care. “The numbers are low because some people just give up. They’re frustrated. They’re tired. They’re battling cancer,” said Kimberly Cammarata, the unit’s director. “And sometimes the information about why the claim was denied or about how to appeal is terribly unclear. A lot of these outcome letters will say you have a right to an external appeal, but they don’t exactly tell you where to go,” she told ProPublica.

In New York, the Community Service Society operates a similar program, where advocates draft detailed appeals on behalf of patients. “We can help people write their appeals,” said Elisabeth Benjamin, vice president of health initiatives at the Community Service Society. “We write appeals for them, sometimes going through thousands of pages of medical records and writing 15- to 20-page appeals,” she told ProPublica. Across the nation, CMS documents show an uneven patchwork of help. In California, consumers can call the Department of Insurance Ombudsman at 1-800-927-4357 for help with denied claims. In Georgia, the Office of Insurance and Fire Safety Commissioner fields appeals and complaints from residents at 1-800-656-2298. In Illinois, the Department of Insurance maintains a consumer hotline at 1-866-445-5364. New York’s Department of Financial Services handles cases through its consumer division, while Pennsylvania residents can reach the state Insurance Department at 1-877-881-6388. Maryland, Virginia, and the District of Columbia all continue to run active programs through their respective attorney general or ombudsman offices.

Still, millions of Americans remain in states without fully funded consumer assistance programs. For those individuals, even knowing that an external appeal exists is a struggle. ProPublica found that the process is buried under jargon, hidden in small print, or placed deep within denial letters that few patients have the time or emotional strength to decode. Experts say one step can make a difference: persistence. “Appeal, appeal, appeal” has become a mantra not only for patients but for advocates who have watched insurers exploit confusion and fatigue to wear people down.

For urgent cases, the law allows expedited reviews that must be resolved within 72 hours. If the independent reviewer overturns the denial, the insurer is required by law to pay. When that happens, the victory is binding. But the system was never designed for easy victories. Most patients never reach that point. Many die waiting. And yet, despite the exhaustion and the heartbreak, people keep fighting. From North Carolina to California, from New York to Georgia, they continue to challenge billion-dollar corporations that have learned to profit from denial. What unites them is not just the pursuit of care, but a demand for fairness — a demand that too often goes unanswered. “Every state needs one of these programs,” Fish-Parcham said again. “Health care is so complicated, and people really need experts to turn to.”

Stacy M. Brown

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#NNPA BlackPress

The hidden risks of poor water management in residential properties

Poor water management in residential properties can result in structural damage, health risks, and long-term financial strain. Water is the most important resource for any country, and having access to clean drinking water should be a right that needs to be preserved. Unfortunately, we are noticing a trend in the US right now where poor water […]

Published

3 days ago

April 17, 2026

admin

Poor water management in residential properties can result in structural damage, health risks, and long-term financial strain.

Water is the most important resource for any country, and having access to clean drinking water should be a right that needs to be preserved. Unfortunately, we are noticing a trend in the US right now where poor water management in residential properties is becoming more common.

It’s not even just access to water that gets affected when residential water management isn’t made a priority. It can result in issues with major leaks and flooding events, which affect the health and safety of residents.

Gradual Structural Damage

The worst thing about flooding or water leaks is the gradual structural damage that real estate investors have to deal with. Water can seep into materials like:

Wood
Drywall
Concrete

It can do so over time, drop by drop, and eventually cause significant damage to these structures.

A slow leak behind a wall or under a floor may go unnoticed for months, gradually compromising the integrity of the structure. Over time, this can lead to:

Warped floors
Cracked foundations
Weakened support beams

If you aren’t interested in spending hundreds or thousands of dollars to repair your residential properties, then it’s important to focus on water management in your annual plan.

Mold and Indoor Air Quality Issues

Excess moisture creates the perfect growing environment for mold. Within 24 to 48 hours, mold can start developing in damp conditions, and it often does so in hidden places like:

Behind walls
Under carpets
Poorly ventilated areas

Mold is a health hazard, especially for the very young and very old, and those who have a compromised immune system. Indoor air quality starts degrading very fast when mold growth happens, which can result in allergies, asthma, and other respiratory conditions.

Addressing mold problems can be both complicated and expensive, often requiring professional remediation to fully eliminate the issue.

Increased Utility Costs

If you notice that your utility bills have gone up in recent weeks or months, without any corresponding difference in tenants or temperature, it could be due to a water leak. Malfunctioning fixtures can also cause an increase in utility costs.

Even small, continuous leaks can add up to substantial water loss, making regular inspections and maintenance essential. That’s why paying attention to water management is so crucial for any real estate investor.

Foundation and Drainage Problems

Proper drainage is crucial to protecting a home’s foundation. Water needs to be directed away from the property, and if not done so, then it can accumulate around the base of a structure. This can lead to soil erosion, foundation cracks, and even basement flooding.

Clogged gutters, improper grading, and inadequate drainage systems are common contributors to these issues. All of these have to be addressed to prevent long-term damage to your foundation and prevent expensive repair bills that eat away at your budget.

Professional eavestrough installers are necessary to ensure rainwater stays away from your foundation and moves away from the property properly.

Pest Infestations

No homeowner or investor wants pests in their residential properties. It’s not good for the health of the residents, nor is it good for the reputation of the properties in attracting future tenants.

Moist environments often attract pests such as:

Termites
Rodents
Insects

Standing water or damp areas provide ideal conditions for these unwanted guests to thrive.

Once pests are established in your property, they will start causing further damage by eating away at certain structures. To get rid of them requires expensive pest control services and takes time.

Insurance and Financial Implications

Even though insurance does cover certain types of water damage, it doesn’t cover all forms of water damage, and thus, you might end up paying out of pocket in certain cases.

Damage resulting from neglect or lack of maintenance is often excluded from coverage. That’s why it’s so important to apply water management strategies to all of your residential properties.

If you wish to sell your property later, then it’s important to be very cognizant of water damage, as buyers will conduct inspections that could alert them to such water damage and prevent your home from selling in the future.

Frequently Asked Questions

What Are Some Preventive Measures for Water Management?

There are many home safety tips you can follow to ensure your home stays safe from water damage.

Regularly inspecting plumbing systems, cleaning gutters, and ensuring proper drainage can help identify problems early. Installing moisture detectors, maintaining appliances, and addressing leaks promptly are also effective strategies.

You can also hire a water damage specialist and have them take a look at your home to ensure nothing untoward is going on, especially if you notice a major change in your utility bills.

How Does Water Damage Interior Spaces?

Water damage can occur without the home dwellers noticing it. In some cases, the water damage to interior spaces is very apparent, as when the ceilings start sagging or the walls and ceilings develop water stains.

You might also notice the floors rotting or warping.

In addition to structural concerns, water damage can ruin personal belongings such as:

Furniture
Electronics
Important documents

The emotional and financial cost of replacing these items can be significant.

Nothing good comes out of water damage, but it’s highly preventable if you only take the steps mentioned above. Do not become lazy or complacent in this situation. It could be the difference between saving hundreds of dollars in water damage bills and not.

Protect Yourself From the Risks of Water Damage

Not everyone places such a priority on water management, and that’s a shame. It’s truly when you are dealing with water damage that you regret this decision.

Residential water management can save you hundreds or even thousands of dollars in bills in the future. It’s worth the time and resources you place upon it.

By staying vigilant and adopting proactive maintenance habits, homeowners can protect their properties and protect their investment from degrading into a money-sucking pile of stones.

Please check out related articles on our website for more interesting articles on a wide variety of subjects.

admin

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Black Micro-Schools Deserve Recognition: NABML Creates National Standards and Resources

BLACKPRESSUSA NEWSWIRE: Black families are the fastest-growing demographic in alternative education. Discover how the National Association of Black Micro School Leaders is providing educators with resources, training, and certification to launch thriving microschools.

Published

4 days ago

April 16, 2026

Oakland Post

by Dawn Montgomery
BlackPressUSA Contributor

Public school advocates and politicians typically spearhead the attack on microschools, focusing on their perceived “lack of oversight and public accountability.” Yet Black families are the fastest-growing demographic in alternative education. This shift is driven by the recognition that traditional public education cannot change quickly enough to serve its children’s needs. The National Association of Black Micro-School Leaders is an organization working to counter this narrative and fill a critical gap. Nicole Stewart, the founder, told The Carolinian that “Black families are the fastest-growing group in alternative education, but Black microschool founders have had no national home, no unified voice, no shared resources, and no collective power.”

Nicole Stewart, a former educator with nearly 20 years of experience in public education, retired to start her education consulting company and later opened her own school. That experience led her to discover microschools. Stewart advocates for a balance between joy and rigor in education, designing learning experiences that honor identity, strength, and purpose. She understands that microschools can be tailored to address the specific needs of the families and communities they serve.

The oversight criticism is legitimate. This concern is precisely why NABML is establishing the national benchmark for community-led education. NABML’s certification is that seal of approval, signaling to families, funders, and policymakers that a school is not merely functioning but is outstanding. Additionally, the organization emphasizes the importance of legal structures, fiscal stewardship frameworks, and community involvement as foundational to sustainability and accountability.

NABML realizes this vision via four main support systems:

Community Design Day: NABML facilitates a process in which the neighborhood tells us what its children deserve. You get to explore new learning approaches and define educational priorities for your community. A community task force is then formed to implement these ideas, and NABML supports you along the way. This creates a space where you can be a part of the process as a founding member of a microschool.

Founders Launch Lab: This professional development experience equips Black microschool founders and educational leaders with the training, operational, and strategic skills to launch and sustain thriving schools. Participants gain the business acumen and pedagogical frameworks necessary to navigate the transition from traditional educator roles to entrepreneurial school leaders.

Membership (The Vault): Members gain instant, 24/7 access to proprietary legal templates, student handbook builders, fiscal stewardship frameworks, and zoning blueprints designed specifically for the microschool model. They also join a curated community of mission-aligned founders through monthly “Brilliance Circles” and a private digital forum. Membership unlocks the NABML Fund, a curated capital pool designed specifically for the network, removing a major barrier to school launch and sustainability.

Certification: This is the seal of approval that tells families, funders, and policymakers that your school isn’t just operating; it is also excelling. NABML is currently developing the national benchmark for community-led education, making sure that certified schools meet rigorous standards for student outcomes, community engagement, and fiscal responsibility.

Whether you’re a parent seeking educational alternatives, an educator ready to launch a microschool, or a policymaker committed to expanding equitable education options, NABML invites you to be part of this transformation.

Ready to start or support a microschool? Visit https://nabml.org/ to learn more, access resources, or join the Founders Launch Lab.

Want to invest in Black educational futures? Make a donation at https://secure.qgiv.com/for/naobml/ to support founders in building schools that serve their communities.

Every microschool launched is a community transformed. Every founder supported is a generation of Black children empowered to thrive.

Oakland Post

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IN MEMORIAM: Rest in Power — Minnesota Loses a True Warrior in Yusef Mgeni

MINNESOTA SPOKESMAN RECORDER — Yusef Mgeni, a brilliant historian, community organizer, former St. Paul educator and fierce advocate for Black people, died on April 7, 2026, leaving behind a legacy that will echo through generations of Black Minnesota history and community building.

Published

5 days ago

April 15, 2026

admin

By MSR News Online

Minnesota and the world lost a powerful voice and a true warrior on April 7, 2026. Yusef Mgeni is gone, but his legacy will echo for generations.

Yusef was a brilliant historian, a community organizer, a former St. Paul educator, and a fierce advocate for Black people. He carried with him an extraordinary archive of speeches, books, articles, and photographs documenting the work of countless Black scholars and leaders. His knowledge was not just deep. It was generational. Talk to him about any subject concerning Black history, and he would give you a dissertation.

His roots in this community ran deeper than most people knew. Yusef was the grandnephew of Fredrick McGhee, the pioneering 20th-century civil rights activist and attorney who made his mark in St. Paul at the turn of the century. That lineage was not lost on Yusef. He carried it forward with pride and purpose, spending decades making sure the stories of Black Minnesotans were told, preserved, and passed on.

As a journalist, Yusef called NAACP leaders and community figures to identify the issues that mattered most to Black people and wrote about them in local newspapers. He was a contributor to the Minnesota Spokesman-Recorder, a platform he understood and respected deeply. As a former St. Paul NAACP vice president, he remained active and engaged well into his retirement, answering emails and voicemails for residents who were at their wits’ end, helping them navigate evictions, legal challenges, and systemic barriers.

“Generally, they contact us when they are at their wits’ end,” he once said. “They are going to get evicted; their car is getting repossessed. We assist in navigating the system.”

His work was always about access. Under his leadership and alongside other NAACP leaders, the St. Paul chapter helped establish a landmark covenant between the police and the St. Paul community in 2001, a model that contributed to dramatically lower excessive-force costs than in Minneapolis in the decade that followed.

Yusef was also a passionate champion of ethnic studies in Minnesota’s schools, understanding that education rooted in Black and Brown history was not a supplement to American history but central to it.

“Ethnic studies is also American history,” he said. “The fact that the legislature and the MDE have both endorsed ethnic studies requirements in schools is a real plus for giving people the opportunity to explore and learn more about American history, and more importantly, to see themselves reflected in that learning.”

In the 1970s and ’80s, Yusef worked alongside Mrs. Clarissa Walker at the Sabathani Community Center, where they poured their energy into uplifting and empowering the community. Their work helped shape the cultural and political landscape of South Minneapolis during a critical era. They were part of a generation that built institutions, nurtured young people, and fought for justice with unwavering commitment.

Yusef also played a key role in the early development of KMOJ Radio, helping to establish a platform that amplified Black voices long before it was common or convenient. His activism extended through education, the St. Paul NAACP, the Million Man March, and the Urban Coalition, always rooted in a deep and abiding love for his people.

He was also an interviewee in the Rondo neighborhood oral history project preserved by the Minnesota Historical Society, ensuring that the voices and stories of that community would never be lost.

Not long ago, a colleague was blessed to sit with Yusef at his home, where he reflected on his life and his legacy. He talked about his work in education, his activism, and his years of service to the community. But what stood out just as much was how he spoke about his family and his people, with warmth, with pride, and with purpose.

Today, we honor him not only for what he accomplished but for the spirit with which he did it.

A scholar. A builder. A warrior. A keeper of our stories.

Thank you, Yusef, for everything you gave and everything you sacrificed on behalf of Black people. Your legacy stands tall, and our community is better because of you.

Rest in Power, Yusef Mgeni.