> Also, it's bad design of incentive. The insurance companies has an incentive to deny the payment, because it does reduce the cost and increase the profit. For

> Also, it's bad design of incentive. The insurance companies has an incentive to deny the payment, because it does reduce the cost and increase the profit. For profit companies try to increase the profit that's not wrong, but in this context , it's morally bad. A for-profit company has no incentive to deny a test that may prevent even costlier treatments down the line. It must stay within budget, however. Socialized systems also have a budget and they also deny/limit/delay treatment all the time. Also, look at the profit margins of insurances, they aren't that great (about 5% tops). If you sincerely believe a government bureaucracy can do a better job at this for less than the profit margin of a private company, by all means, vote for it.