Example: The doctor is concerned that the patient may have a serious infection in the spine, and orders an MRI (Magnetic Resonance Imaging) procedure.   The for profit insurance corporation say, "No, that is too expensive and would adversely affect our bottom line and executive bonuses."   This forces a long, complicated appeal process to be pursued.   Meanwhile, the patient is in considerable pain.   And if the doctor's suspicions are correct, the spinal infection continues to get worse and cause more damage and medical complications.