> I love replying with “at least in public healthcare the doctors get to decide, with only private health insurance paid for by insurance companies, it’s a faceless claims adjuster with zero medical experience who isn’t even deciding as much as they are just telling you that treating you properly would cost the company too much money… I’ll take my chances with a death panel of doctors over the death panel of accountants any day of my entire life”

I think a licensed doctor/pharmacist employed by the insurance company has to make the decision, although, since they do not have liability exposure, I can imagine metrics can be imposed on them that make the quality of their work less than desirable.