In an ideal world the insurance company would operate more like a fiduciary than a custodian. Their job should be to guide you towards the best possible outcome not just the outcome that suits their best interest. But, that would require everyone along the chain from physicians, pharmacies, nurses, back office, front office, billing and scheduling to all operate in that same manner -- which unfortunately doesn't lead to profit so we end up with the system we have.
I agree, but demonizing the profit motive isn't the ideal path. The system, as far as I can tell, needs work. The fiduciary model works in other places, it will probably work in insurance and healthcare as well.
