> Just off the top of my head: Virtually every American with health insurance can get flu shots for free, paid for by their insurance carrier. Ditto for women who want birth control pills (though that is usually a legislative mandate).

These tend to make financial sense for insurers - flu shots are cheap and a lot cheaper than hospitalizations, same thing for avoiding pregnancy... and even then, both were explicitly made free via the ACA, not the kindness of health insurers.

These aren't the sorts of claims insurers kick up a fuss over.