I sense a new glauckomflecken video.
It's rent seeking behavior by an actor that pretty much is a negative value-add from a patient's perspective. They are a cancer.
Because the single most frequent complaint I hear about insurance is them deciding that something which they claim to cover, and should cover, they're suddenly no longer going to pay for because of some bullshit excuse.
It's one of the reasons doctors have to waste hours of their time every week getting "prior authorizations" for things the insurance claims they will cover.