Not only that but the concept that insurance should be used to insure us against the possible advent of catastrophic illness or injury has been lost. If insurance companies are paying for what was once considered routine affordable medical care there will be fewer dollars available for major illness or injury. So they have to keep the probability of paying out for such low. One way is by screening out pre-existing conditions. Another is by raising premiums on everybody. Insurance benefits are not a bottomless payout pit. If more is going out than coming in a company will go under.
Being in a program like that is a method of getting discounts from the rack rate. I once had to come up with an accounting of medical bills in pursuing an adjustment of an auto insurance claim at which the other party was clearly at-fault. That’s when I saw that the doctor/clinic/etc. bills $X and the insurance company pays something like 30% of $X and the provider calls it square. It’s a big game.