>For insurance to work, US doctors must follow national guidelines laid out by a scientific body (ie NICE in the UK) any deviation without justification would/s

>For insurance to work, US doctors must follow national guidelines laid out by a scientific body (ie NICE in the UK) any deviation without justification would/should lead to fines and censure. I don't think that's necessary for insurance to work - I think it's necessary for medicine to get cheaper. If I want a specialist to treat me as an individual and potentially prescribe something outside the norm, I should be able to pay a premium for that, and the doctor should be allowed to do it if it is going to work without threat of fines or censure because they didn't choose the cheaper option.