You've just demonstrated why. Insurance companies are all about making money, not helping people. They can't *outright* refuse ever to pay for health care. So what they do is make the process a nightmare, which has two effects: 1) it makes the process so difficult that much health care gets blocked, reducing costs, and 2) it generates so much stress that some patients drop their policies, commit suicide, or die of complications, also reducing costs. It's evil -- but it's not illogical if you follow the money.
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