Theodore Bowser “Theo”

Founder & CEO

The why behind it all…

It all began with a series of life-altering events, each one more sobering than the last. In 2014, at just 39 years old, I suffered my first Widow Maker heart attack. The pain was unbearable, yet I somehow managed to drive myself to the hospital. I was told I might not make it. But I did.

Two years later, I faced another Widow Maker. This time, the heart surgery I desperately needed was delayed, not due to medical reasons, but because of insurance denials. That was just the beginning.

In 2017, while out walking my dog, I had a stroke, damage to the basal ganglia. Again, I survived. But the heart surgery that was finally approved came too late; I was already in heart failure. Even the ICD device that now keeps my heart beating was denied at first, only granted after an appeal. Throughout it all, critical medications and procedures that could have saved time, energy, and suffering were repeatedly denied.

By 2021, I was drowning in medical debt and had no choice but to declare bankruptcy. I couldn’t stop thinking: if I had known then what I know now, how different might my outcome have been? These denials didn’t just affect me. They burdened the doctors and nurses who tried to help me. As an executive in the insurance world, I saw how ineffective and poorly crafted appeals, often outsourced to third parties, did little to support the patients or the providers.

That’s why I created FightBackInsurance.com, to be a voice for patients and a partner to the providers who are tired of being ignored. I’ve heard their frustration. I’ve lived the consequences. And I know we can do better.

Life doesn’t give us a say in what we endure, but it gives us the power to decide how we respond. I chose not to stay silent. I chose to stand up, speak out, and help others fight back.

Because no one should have to battle for care while they’re fighting for their life.