Working in healthcare and ngl for physicians it's never a "am I doing too much to treat this patient" question when it comes to arguing for basic things from insurance. One common strategy is dragging out the excessive but cheaper diagnostic and "alternatives" to avoid paying for surgeries that are necessary. That then appeal forms have to be done makes the process even worse. Insurance companies are committing a legalized bureaucratic murder of individuals through the abuse of being more or less given carte blanche by the political body to do whatever the Hell they want. I've seen denial of chemo for individuals in their 20s and others dying young because they do not have the proper coverage for cancer workups (lots of colorectal malignancies that get ignored into a person's 30s that end up metastic).

So anyway