It’s astonishing (and insane) how private health insurance has taken over the entirety of health care at every operational level.
This is a type of insurance that started out decades ago as an unusual perk for executives. They called “major medical”. Nobody thought that much about it. In those days most working people simply could go see a doctor and just pay with cash or check.
Now, their tendrils have wrapped around everything from the lowest-paid pharmacy tech to most expensive surgeon…and everything and everyone in-between.
The board rooms of private health insurance companies have a gigantic dragon by the tail, and they have no damned clue what to do with it.