I agree. I'm just saying that instead of reducing healthcare costs by having insurance companies deny necessary procedures and medications seemingly randomly, there should be serious regulations capping healthcare costs. Generally speaking I am against any form of government-set price controls, but healthcare costs are so completely out of control that I don't know of any other way to deal with it. It's also a unique situation where the customer has no way of shopping around for a competitor - if you're having an emergency, your only choice is the nearest hospital - they should not be taking advantage of that situation and making you pay through the nose.