Claims may be filed by insureds directly with the insurer or through brokers or agents. This creates a receivable owed from the insured to the insurer. In each province, every doctor handles the insurance claim against the provincial insurer. In each province, each doctor handles the insurance claim against the provincial insurer. COSEC is the leading Insurer in Portugal for credit and insurance. MetLife is the largest life insurer in the United States, based on life insurance in-force. The transaction made ACE the largest property and casualty insurer in Brazil. Emergency medical treatment is covered by Medicare or a private health insurer. The company is Switzerland's largest insurer. The company also owns the online insurer Swiftcover, distribution business Bluefin and fund manager Architas. However, Lewis maintained that the payment confusion was the fault of his health insurer. By 2008 the company was Europe's largest insurer. Americans also use "claim" to describe a demand filed with an insurer or administrative agency. She says that a single government health insurer should cover every American, reducing overall costs. Newport Beach is home to one Fortune 500 company, insurer Pacific Life.