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@DavidM_yeg @stephanie I think I got distracted while replying, sorry. I'm not disagreeing with you, just adding some nuance. Let me clarify what I was thinking.

The thing that occurred to me is that any large group of people (in this case I'm thinking of the anesthesiologists)* will have outliers that make poor choices. So this small group, or the belief that such a group exists, is dictating the policies of Blue Cross, which in turn punishes the patients. There might be a very small number of fraudulent claims actually being made by anesthesiologists, justifying (in the minds of the insurer) the policy.

I have this blue-sky belief that if we lived in a society that didn't allow people to amass unreasonable amounts of wealth at the expense of others, less of this would happen.

I don't think I'm anywhere near the list of wealth-hoarders, but I am holding on to some money on the off chance that someone in the family gets sick, or suffers a setback, and I'll want to help them. If we had a society that just took care of people, regardless of economic standing, I wouldn't have to do this, and that money could be put to far better use.

Also, I don't think bean-counters should be given the power to determine what's medically necessary.

*Not picking on anesthesiologists, I think any large group will have its share of jerks. I used to belong to a large group, teachers, most of which are very hard-working and conscientious. But I ran into a few people that clearly picked the wrong profession.