BIG INSURANCE. REAL CONSEQUENCES.
You paid for coverage. They owe you care.
FEATURED WATCH · FILE 001
The Bills Go Unpaid. The Lifeline Goes Away.
PHI links Red Bluff’s air ambulance suspension to insurer payment disputes. A rural community has lost its locally stationed PHI helicopter. Our first Watch File examines the record, the impact on local readiness, and what insurers, regulators and Congress should do next.
9 pages. 14 sources. One rural emergency lifeline.
NEWS & UPDATES
Latest from BIW
The denials, delays and broken promises patients should not have to accept. Follow the reporting, evidence and efforts to hold insurers accountable.
THE RECEIPTS
Their talking points. The facts they leave out.
Big Insurance sells a promise. The Receipts will put industry claims beside financial reports, court filings and public records to show where the message falls short of the facts.
Every installment will identify the speaker, date and original source, explain the context and distinguish a documented finding from BIW’s analysis. The first installments are in development.
An emergency is no time for a coverage fight.
Patients in an emergency should not pay the price for an insurer’s denial or delay. Emergency air medical care is the starting point for our work and a central focus of EARA’s advocacy.
We document coverage and payment failures that put access at risk, with the evidence behind each finding.
In the Conversation
Insurers have skewed arbitration for years
Los Angeles Times Opinion • August 24, 2026
M. Dylan McClellan, a former chief enforcement counsel at California’s Department of Managed Health Care and an advisor to EARA, examines insurer-set payment benchmarks and the challenge of collecting binding arbitration awards.
Guest opinion. BIW is a project of the Emergency Air Rescue Alliance.
Tell BIW
They took your premium. Did they keep their promise? Share a denial, a delayed payment or a public record that helps document an insurer’s failure to deliver.
Your tip starts with review and verification. Strong evidence can help build The Receipts, Watch Files and Insurer Files. We will seek permission before publishing your personal story or identifying you.