I agree mostly with your perspective here but I also see some bullshit cases of people having their doctor vouch that an operation is medically necessary and their insurance company begging to differ, it just sounds like they’re folding their arms and saying “nah” so they don’t have to pay out — shouldn’t it be like doctors notes for your employer, in that your doctor is trusted and qualified to make these kinds of decisions case-by-case?

I get it, but if there is any chance of it working, I’d appreciate it if they recognized that it is in their better interest (and mine!) than me having surgery every two years, or being on a ton of medication, or getting steroid shot after steroid shot.