re: #552 opnion

Thae vast majority of larger employers are self-insured. They fund their own claims daily. THey hite an insurance compant or a third party administrator to pay the claims.
A utilization management entity either eindependent or part of the payer evaluates medical necessity. The employer can override anything.
The UR company does an evaliation & the employer can use his money any way that he sees fit.

Am I to understand that you would like that same option for smaller companies? If so, I can appreciate your position. More personal, localized control seems like the better solution.