From the experience of the parent post, it looks like a more streamlined way to extract money without providing a legitimate service.

Not every case of bad customer service is a conspiracy to extract more money from you.

I agree, I am a bit suspicious and skeptical toward big corporations and for-profit healthcare.

Maybe taking someone's money without providing a service is a one-in-a-million case. It is still encoded in workflows and software, and no easy way to get a refund. So, instutionalized.