Well a more functional system is being displaced by the inefficient free market American Healthcare system. I can only imagine why doctors and hospitals are not chomping at the bit to deal with bad faith insurers fraudulently denying claims nonstop while never being punished for doing so.
Around here folk call it the "Three D" strategy. Delay, deny, die.
If the insurance company can put off your procedure long enough you might die and then they don't have to pay for it. Family friend who has lost so much hearing he can't participate in conversations anymore has been strung out for 6 months by his insurance on a cochlear implant. The final hurdle was them denying because of incomplete paperwork, that they did indeed have said paperwork which was part of the initial submission.
If Americans find this unacceptable, they will need to adjust the laws to change the incentives to the insurance companies.
