The REAL role of medical insurance companies is not to help mitigate charges you can't afford.
Those charges are purposely inflated so the average person can't possibly afford them.
No, the real purpose is to have a "minder" keeping track of all you do medically, to make sure you keep going to the doctor, who then also keeps tabs on all you do medically.
The doctor in conjunction with the insurance company wants to ensure you keep going to the doctor, keep having invasive tests, keep either finding something to treat with pharmaceuticals or therapies, keep suffering pharma side effects which leads to more treatments/pharma, nag you to get vaccines, nag you about your lifestyle, and basically on a consistent treadmill of doctors visits as if the damn doctor, along with enabling insurance, were responsible for maintaining your very life.
FUCK THEM

Asked Doc for Ivermectin since many diseases are parasitic. He said we'd do a parasitic fecal test, which came back negative. I requested a blood test for parasites and he denied it, saying it isn't medically necessary. A-Hole! I'll get my own..