[MarkMMullin]

Having seems the guts of a lot of different insurance technology stacks, it's possible to see how the nature of the commercial business biases the behavior of the systems. In the simplest cases, health care providers have systems that take enough time to just get going that someone who becomes very sick and after a small amount of expensive intervention dies doesn't become a cost, because that system operates as if they had recovered....leading to the sad mantra at one 'Death is proof of recovery' . Same case here effectively. If it isn't treated it can kill, if it isn't treated then costs don't accrue, if it isn't treated then other potential costs don't materialize. I have never met anyone in the technology side of insurance evil enough to do that, but have met plenty horrified by the fact that it is what their systems keep evolving to do. The goal of profit is inversely related to the goal of care, plain and simple.

[apacheCamel]

I guess why have it at all then? If their goal is profit and profit means to skip care, which is the main reason of healthcare, why even go about trying to pretend then? Skip right to the fact, take my money and leave me to die. I know this isn't a real answer and isn't how it truly works but the system just seems to defy the whole idea behind healthcare.

Edit: missed a word.