Before adding any other care to Insurance we need to be realistic about the function of Insurance. Insurance is a for profit business that caters to the stock market investors. That is their primary stakeholder. They do have expenses and they also have a goal of making profit. They cannot pay for everything. Therefore, they must deny claims. Why does everyone want to hand decision making over to this type of business for people who are not Doctors to make their healthcare decisions?
The following really needs to be addressed prior to having insurance cover anything else: