At the very least, it's the charge of the insurance company to serve the customer in a way that passes on savings to the customer in the form of lower premiums

At the very least, it's the charge of the insurance company to serve the customer in a way that passes on savings to the customer in the form of lower premiums or increased amounts of care. It's insulting to a person's intelligence to tell them "we just don't have the money to cover the surgery recommended by doctors to solve your debilitating injury or illness" and then turn around and give your c-suite seven-figure compensation packages every year while also instituting a dividend for the free riders known as shareholders.