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That was an internal phone call between two  UnitedHealthcare workers. They’re laughing   about denying someone’s insurance claim.  We’re ProPublica, a nonprofit newsroom,   and we investigated. The person they’re laughing  about is Chris McNaughton. He was in college   when he was diagnosed with ulcerative  colitis, a chronic autoimmune disease. It took him a really long time to find  meds that put his disease into remission,   but when he finally did, United flagged Chris’  case as a “high dollar account.” Ultimately,   United said it wouldn’t pay for his medicine  because it was “not medically necessary.” When   I started that treatment, I think I had literally  failed every other ulcerative colitis medication.   So it would almost seem that it was the  very definition of medically necessary,   in that nothing else had worked. When United  turned down Chris’ claim, his medical bills   were running nearly 2 million dollars a year,  s

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