They're more incentivized to not diagnose with a condition.
I was considered not bi-polar and do not have ADHD by a psychiatrist and thus I couldn't get therapy covered.
If it’s that common, then there’s no need for a large bureaucracy of actuaries, accountants, agents, etc…, in the middle or to serve as your intermediaries.
And a single paperwork error every five years, causing you to spend a few hours sorting it out, would more than outweigh all the tiny advantages that might theoretically benefit the customer.
People I've talked to can't quite to wrap their heads around that idea. Not sure why.
As with any for-profit business, benefit to the customer is not a goal in and of itself, but rather an incidental side-effect of obtaining money from the customer, in that it is how the customer is convinced to give up their money.
I would caution against assuming systems such as what you described are intended to help the customer. It sounds like instead, it is intended to help the company, by causing you to have to spend your (not their) time and potentially miss an appointment, saving the insurance company money.
After all, what are you going to do, leave your employer for another one with a different insurance company over an insurance paperwork headache?