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It gets better. So many times Dr's will have to start with treatments they know won't work because otherwise insurance will just decline it all together.
The funny part is that this the ends up costing the insurance companies more. Nose removed, face spited.
It may cost more for that individual, which is likely additive. What's multiplicative is the number of people who don't or can't jump through the hoops and just move on. Having a tough time getting out of a subscription service? Insurance basically did it first.
Agreed, they play the numbers game but at the cost of human suffering. All the cases where it costs them more though is just illustrative of the stupidity of it and helps show that there is room for legislation to curb this.