This is the right answer. In most of the countries I know off Insurance must cover everything the doctor say unless they can prove it is not in the coverage (always check your coverage before taking insurance). They still fight tooth and nail not to pay, but it is easier to push back and get paid.
zorecknor t1_jdzgxfq wrote
Reply to comment by cmlobue in ELI5: Why are health insurance companies in the US allowed to deny coverage for doctor-approved medical care? by adamzam
This is the right answer. In most of the countries I know off Insurance must cover everything the doctor say unless they can prove it is not in the coverage (always check your coverage before taking insurance). They still fight tooth and nail not to pay, but it is easier to push back and get paid.