In my example in the grandparent post to yours, it was actually the empathy of the medical provider toward my paying the bill that prevented the unnecessary test.
Setting prices by supply-and-demand and having insurance "pay for whatever is needed regardless of the cost" are incompatible. Insurance blocks the pricing cost signal back to the patient. Insurance also prevents better doctors that provide better service from charging more because the patients will pay for it.
An example: about 20 years ago I had just a major medical plan and I was at urgent care for a problem. After diagnosing the likely problem and prescribing the solution, they were about to run some tests "just in case." When I told them I would be paying for the tests due to the major medical plan, they explained that the tests didn't have any benefit, so we didn't run them.
I don't know of a real solution to these problems.
A partial solution is exposing some of the cost to the insured to create an incentive to save (like what I had when I was paying for the tests). At my company, we fully pay for a high-deductible plan AND a give company-funded contribution to a Health Savings Account that mostly covers the per-person out-of-pocket max. If the employee does not spend the HSA money (which is their money in their account), it can be used for retirement savings... so they have an incentive to save. But once someone hits the out-of-pocket max, there is no more incentive to save.
Agreed that sometimes it is appropriate for insurance to say no.
After one round of physical therapy for tennis elbow, which made some progress but didn't completely clear up the issue, I got denied my insurer (not UHC) for the additional physical therapy that the PT recommended. The problem resolved itself on its own in a month without additional therapy. Seems like they may have been right that it wasn't medically necessary.
Here are a few key paragraphs from a sermon that has the most compelling explanation of that sentence that I've heard:
> When Paul said in 1 Timothy 6:10, “The love of money is the root of all evils,” what did he mean? He didn’t mean that there’s a connection between every sinful attitude and money — that money is always in your mind when you sin. I think he meant that all the evils in the world come from a certain kind of heart, namely, the kind of heart that loves money.
> Now what does it mean to love money? It doesn’t mean to admire the green paper or the brown coins. To know what it means to love money, you have to ask: What is money? I would answer that question like this: Money is simply a symbol that stands for human resources. Money stands for what you can get from man, not from God! (“Everyone who thirsts, come to the waters. He who has no money come buy and eat!” Isaiah 55:1.) Money is the currency of human resources.
> So the heart that loves money is a heart that pins its hopes, and pursues its pleasures, and puts its trust in what human resources can offer. So the love of money is virtually the same as faith in money — belief (trust, confidence, assurance) that money will meet your needs and make you happy.
> Therefore the love of money, or belief in money, is the flip side of unbelief in the promises of God. Just like Jesus said in Matthew 6:24 — you cannot serve God and money. You can’t trust or believe in God and money. Belief in one is unbelief in the other. A heart that loves money — banks on money for happiness, believes in money — is at the same time not banking on the promises of God for happiness.
> So when Paul says that the love of money is the root of all evils, he implies that unbelief in the promises of God is the taproot of every sinful attitude in our heart.
“But godliness with contentment is great gain, for we brought nothing into the world, and we cannot take anything out of the world. But if we have food and clothing, with these we will be content. But those who desire to be rich fall into temptation, into a snare, into many senseless and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs.” — 1 Timothy 6:6-10 ESV