In a free market that would drive the price of brain scanners down.
But when federal regulations and the threat of lawsuits FORCE insurance companies to cover it at whatever it costs, there is no downward pressure on the costs
I don’t have trouble with people choosing to get brain scans if they have a headache, if that’s what they want. I do object to insurance paying for it. If it were voluntary and pricing competitive, people could be sold on paying for a brain scan if they really felt it was helpful.