If insurance companies are able to do this and get away with it then it will become standard policy to make decisions based on cost. If they now they can overrule doctors then they will. Their profit will always come first.
Some finance director will be put in charge of implementing this as a cost cutting measure and it will be "just business," of course they have the best interest of the patients in mind but they have to run an efficient business too.
Somehow cutting cost will always come out on top because that maximizes profits.
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