[mindslight]

Sure, I agree the "insurance" industry employs people that aren't nurses, too.

The "oversight" function provided by "insurance" companies is terrible and hostile. It does nothing to stop every day waste, like rushed appointments, doctors telling you to come back in a few weeks for another billable event, repeated tests, etc. Meanwhile it creates administrative hoops based around rejustifying treatments that have already been justified by the front line doctors, to the point that many providers employ "nurse navigators" to wade through the hassle - care-providing potential is wasted on both sides of this pointless adversarial setup.