What’s scarier than ghosts, cults, or cosmic madness?

👉 Insurance.

This episode, we tackle the true horror of prior authorizations, denied claims, medical debt, and a healthcare system that somehow finds a way to say “have you tried waiting until Monday?” 😱

👁️ Horror in Real Life:
• The UnitedHealthcare / Luigi Mangione case
• Why claims are often denied by default
• How AI is increasingly making life-or-death decisions
• Why medical debt remains the #1 cause of bankruptcy in the U.S.
• And why being “in-network” is basically a haunted house with contracts

🎬 This week’s films:
🪦 Macabre (1958) — complete with William Castle literally insuring the audience in case they died of fright
📚 In the Mouth of Madness — Lovecraftian apocalypse, metafiction, and Sam Neill losing his mind (again)

🧠 Plus:
• Whatcha Been Watchin’, Bitch?!
• A new game: Policy Plot Twist
• And the reminder that horror doesn’t always wear a mask—it sometimes wears a badge

🎧 Listen now wherever you get your podcasts.
💀 Support us on Patreon + grab merch at frigay13.com/support
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