KARE 11 Investigates: Perverse incentives, medical debt, and a pattern of denial. A recently released audit by the Inspector General's Office (OIG) confirmed the findings of KARE 11's two-year "Pattern of Denial" investigation, which documented how veterans across the country were being forced to pay medical bills they should not owe because the VA (Veterans Affairs) improperly denied claims for emergency medical care. In some case, the ER bills were even sent to collection agencies.