>If you have decent insurance, you pay your maximum out of pocket and insurance pays the rest (at negotiated rates). I think the OP's question was more: who d

>If you have decent insurance, you pay your maximum out of pocket and insurance pays the rest (at negotiated rates). I think the OP's question was more: who decides this person gets treated by a state-of-the-art robot, while this person gets a prescription and told to go home and rest?