Innovation does not get injected top down by the omniscient insurance system but bottom up from research clinics and forward thinking doctors.
People engaging the insurance directly with an efficiency play almost always fail here. There are even some vaccines against transmissible diseases that you have to pay for as an adult. I always wonder how that can make any sense. Either the value of delivering the vaccine is less than the 10 euros they are charging me (which probably means it is not very important for me to get it) or the insurance makes a colossal mistake. Especially since most vaccines are only individually unimportant since everyone else has them.