Nick I have experienced this kind of treatment restrictions and even the attempt to remove me from the insurance coverage. The only way to make this work is to have some form of universal health administration be it administered by state or fed. In Canada they administer it by province, which puts the province political leadership in a marketplace to perform better than their counterparts—-meaning quality of care and control of costs. This would be like the public school system, where states like MN & WI have some of the best school systems and thus a higher quality of life than states like AK & MS even though their respective climates are different or more or less desirable. In the Chicago area, suburbs relative housing market is directly tied to the relative ratings of the suburban school systems, not location or other factors.

There is only one argument against universal health administration, the expected cost to those who are advantaged now. Access will not drop, care will not be draconian, doctors will still be paid well, and nurses not so well. The biggest problem came when during the Nixon Admin. they allowed for profit health insurance and for profit hospitals, this put us on the path to where we are now.