Theodore Bowser “Theo”

Founder & CEO

The why behind it all…

It all started with a life-changing moment—actually, several. In 2014, at 39, I experienced my first Widow Maker heart attack. Despite the unbearable pain, I drove myself to the hospital, where I was told I might not survive. But I did. Then, two years later, I survived another Widow Maker heart attack. The surgery I urgently needed was delayed due to insurance denials, which only continued from there.

In 2017, while walking my dog, I suffered a basal ganglia stroke. Again, I survived, but only then was I approved for the necessary heart surgery—too late, as I was already in heart failure. Even my surgically implanted ICD was initially denied, only approved after an appeal. Throughout this journey, I faced countless denials for life-saving medications and procedures.

Crippling medical debt led me to declare bankruptcy in 2021. I realized that if I had known then what I know now, my outcome could have been very different. Denials affected not only me financially but also the dedicated medical professionals who cared for me. As an executive in the insurance industry, I witnessed firsthand the flaws in the appeal process, where irrelevant and low-quality appeals subitted by hired companies did a disservice to providers.

That’s why I started FightBackInsurance.com. I’ve heard the stories from my providers, their pleas to focus on patient care without the constant worry of insurance denials. I knew I could make a difference.

Life’s challenges shape who we become. I had a choice: accept things as they are, or fight back and change them for the better. I chose to put on my gloves and step into the ring.