Stupid question. If you have a better way to make decisions on insurance coverage then state it.

Why is it on me to come up with a new model for healthcare? I can acknowledge shortcomings of the present system without having to come up with solutions for them.

> Pretty predictable what happens when you deny coverage for a treatment someone needs

Other poster demonstrated that you have no idea what "need" is. So you also have no idea what a "shortcoming of the present system" is either, because how the hell would you even know?

People being denied treatment they need seems like a shortcoming of the present system.