We need a policy that states if our Doctor prescribed a certain medication or procedure, insurance companies should 100% cover it. Our healthcare should not be determined by whether or not your insurance company will cover it. Americans are paying billions into these policies only to get denied when our Doctor thinks something specific is right for our specific care. Women, for example, are not prescribed hormone therapy in Peri menopause even though some women would greatly benefit from it. The reason, insurance won’t cover it until we stop having our cycle & our ovaries do not work anymore. It’s ridiculous. Healthcare should be individualized and not based on what the majority standard is. We are different and we require different care. We should not be denied proper care because insurance thinks it’s too expensive or another drug is cheaper than the one prescribed!
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I don’t think you understand how health insurance works.