This could be straightforwardly fixed basically overnight by prohibiting providers from billing patients directly, when the patient has an in-network health man

This could be straightforwardly fixed basically overnight by prohibiting providers from billing patients directly, when the patient has an in-network health management plan ("insurance"). Claims being denied is a contractual matter between the provider and the management organization, and it should be made to stay that way rather than being hostilely foisted onto patients.