.......slowly mounting his soapbox.........
What I will say about insurance companies can be said about all business' today. They make me sick!! I'm not sure of exactly when it happened, but at some point in our (american) recent history a change took place. It was subtle at first, but now screams out for some sort of action.
There used to be a time when someone built a factory to make shoes. The shoes were marketed and sold. After expenses (material, payroll, etc.) either a pfofit was made, or money was lost. But the purpose never changed, to make a shoe. I think it was the same for insurance companies. They were in the business to "insure" that people were covered for unforseen loss or expenses. The company was successful if it could do it and still make a profit. But the focus was to "insure". And then a new generation of businessmen crawled out of some cesspool somewhere and decided to change things. No longer happy with making shoes, i-beams, and icecream they decided to make money. And the insurance company decided to fund footbal stadiums. And the shoe company figured they could make "more" money by using oversea slave laborers.
The CEO's no longer happy with second homes and pleasure boats now wanted third world countries, offshore islands and such. And they sold the "investor" a share of this dream. I recall in another thread, somone was asking "what's the difference between taking half your paycheck to Vegas and putting it into a 401k?" They are both a gamble these days.
Back to the OP.......
Insurance companies are a for profit company, and as long as they continue to be so we can expect our services to go down as our premiums go up. Greed, greed, greed, it's all about the benjamins. Here in PA and across the river in NJ hospitals have closed their trauma centers because the doctors won't show up because their insurance premiums are insane because the insurance company wants to sponsor a baseball park. There are those who try to shift blame to lawsuits (and as far as lawyers are concerned) there is a lot of blame there as well. But until companies return to providing a service or a product instead of printing money we are heading for deep doo doo.