Your analogy about ERs is based on situations that aren't emergencies, so I'm not really sure how to square that with reality.
Even following that analogy, you shouldn't delay medical attention to save money, and the insurance company shouldn't be dictating or steering any part of your medical treatment, period.
Incentives only work when you have good information and time to make decisions. When you're in an emergency situation, you can't hop on your phone and shop around for the best deals on trauma surgeons and ambulance rides, and frankly that shouldn't be the expectation.
I like to think we like objectivity.
Your analogy about ERs is based on situations that aren't emergencies, so I'm not really sure how to square that with reality.
Even following that analogy, you shouldn't delay medical attention to save money, and the insurance company shouldn't be dictating or steering any part of your medical treatment, period.
Incentives only work when you have good information and time to make decisions. When you're in an emergency situation, you can't hop on your phone and shop around for the best deals on trauma surgeons and ambulance rides, and frankly that shouldn't be the expectation.