I suspect that the emphasis on saving money leads to extra expenditure, oddly enough.
I had a really nasty and quite honestly debilitating skin condition on my hands a few years ago. My GP started me on the lowest possible dose of steroids. Every so often, as my skin worsened, I would go back and she would up the dose to a slightly stronger version. She recommended also that I 'wash' my hands with moisturizing cream, not soap. As a result, the skin became infected as well. Eventually, the affected patch had spread from two fingers on one hand to the whole of both hands and I couldn't bend a finger without the skin cracking and bleeding.
Finally, I had had enough and scraped up the money to see a private dermatologist. She prescribed the strongest steroid available, and within week the problem had disappeared. If my GP had done that from the first, it would have been infinitely cheaper for the NHS, and saved me months of pain and debilitation. But I suspect that 'to save money' GPs are obliged to order the cheapest possible medication or test first, and gradually move up the scale, in the hope of avoiding the most expensive remedies.
A friend of mine has been incapacitated with back pain recently, ultimately becoming so bad that she could feel nothing below the waist and became incontinent.
Her GP sent her to A&E with a letter saying she needed an urgent MRI. She didn't get one. She had to wait over a week, and was moved around between three hospitals, each one performing cheaper and what seemed to her largely irrelevant tests, before the MRI was finally done. In the meantime she was drugged up to the eyeballs and eventually an inpatient.
The MRI found nothing of note in relation to her spine , and she was discharged. However, the report did mention a mass on one of her ovaries, which had not been further investigated by that team. She was advised to go back to her GP, who of course is now trying to restart the process so that this mass can be looked into. My friend's fear is that it is ovarian cancer - it would explain her symptoms.
Why the heck didn't they just look into it when she was in the MRI tube, and pass her over to a gynaecologist? Presumably because 'rules' prevented it, and the othopaedic team was protective of its budget. But the upshot, as well as extra pain and anxiety for my friend, is extra money spent by the NHS, surely ?