It's problematic when you have companies deny claims that shouldn't be denied, or otherwise trying to disincentivize using their services. For example, from a

It's problematic when you have companies deny claims that shouldn't be denied, or otherwise trying to disincentivize using their services. For example, from a pure dollar-in-dollar-out perspective it's in the best interest of my insurance provider for me to not visit my doctor, because it costs them money out of the payments I make them. If they create a small network of doctors who take their policy in my area, it makes it even harder for me to use their services- maybe the doctor is inordinately far from me, or constantly overbooked, or never in the office (what I'm dealing with right now). The harder you make it to access a service that your customers are paying for, the more money you make.