It'd be pretty dystopian if in order to get medical care Americans had to pay some middle man app/service so that it can fight with the middle man the private insurance company they were paying had already inserted between them and their doctor. All if it just raises the total cost of care for the American and absolutely none of it is necessary. The actual fix is to just get rid of the private insurance company and cover everyone's medical needs under a single payer plan.
So far I only pay my insurance company to sit between me and my doctor and dictate what I need and I just do all the fighting with them myself instead of needing to pay someone else to do it on my behalf on top of what I pay the insurance company and the doctor.
I suppose that if I did pay someone else to more effectively fight the insurance company for me the insurance would have to pay for more of the medical care I need, and would invest in new and better ways to fight back, and my insurance costs would increase even faster. I'm happy that for now at least I don't have to finance both sides of an arms race in order to get the healthcare I've already been paying for.
IMO you're looking at it from your perspective only. Services to negotiate medical debt by interacting with the insurance company to find errors and/or intention denial -- these exist today -- you're giving me the impression you're healthy enough or well off enough to not need them?
I suppose we're not yet at the point where this gates services for all -- but we're CERTAINLY at the point where hospitals refuse to help you if you can't show ability to pay up front.
Ugh, this is a total shitshow. None of this is what it should be. Profit motive has absolutely corrupted everything.