@DontTreadOnMe,
Yes, I do understand what you are saying. And it can be extremely frustrating and at times unfair and at times unethical. This is why sometimes you can fight the insurance company's decision and win. But the remedy is not socialized medicine to correct that. The remedy is purchasing insurance that covers the treatment that you want and, like any other business, it might take some research to find which companies are the most ethical, reliable, people friendly.
One of the reforms I think we should be lobbying for is ability for a more a la carte insurance structure. For instance, a couple who does not intend to have children or is past child bearing age does not need maternity insurance and it would be a large savings to them to be able to eliminate that from insurance coverage. Those who want to pay their doctor's visit or routine labwork or whatever out of pocket should be able to to do that just as we pay routine repairs and maintenance on our cars and houses and computers out of pocket. Then we could purchase a much cheaper catastrophic policy to take care of major hospitalizations, surgeries, cancer treatment etc. at a far lower cost. The law should not only allow that but encourage that.
Homeowners insurance that covered plumbing repairs, peeling paint, inadequate wiring, a worn out roof, or cracked concrete on your patio would be exhorbitantly expensive--prohibitive for many. Car insurance that covered bad batteries, spark plugs, oil changes, flat tires, and window washer fluid would probably exceed the cost of our car.
And giving the government power to tell you what your relationship with your doctor must be will restrict your choices, options, freedoms, and opportunities far more than will the wording in your insurance policy while, according to the CBO, will actually cost us more. Government insurance is not the remedy for your particular problem.