Yep, OP has probably lost the will to live
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Right, BH. Bit of healthcare economics for you to consider. Healthcare systems that rely on private medical insurance lend themselves to unnecessary treatments/overmedicalisation much more than healthcare systems that are funded centrally by the taxpayer. Basic problem is assymmetry of information - imagine you have broken your leg. Hopefully, this will be a rare occurence in your life so as a layperson you will hardly be a font of knowledge about it so you must rely on what your HCP is telling you will need to be done and trust that are using the appropriate evidence base for deciding on your treatment. After all, they're the ones who are used to dealing with this, right?
So you have to take it on trust that all the tests/xrays/treatments/etc. that they are ordering actually NEED to be done. And if you are fully insured this is not a problem for the patient (at the time - but think about the overall premiums for patients and other insurance purchasers in the longer term) as the insurance company have to cough up. And are insurance clerks going to argue with medical staff?Would they have the knowledge to? No, because there is an assymmetry of information between insurance companies and medical staff.
Obviously, a profit margin is built into the price charged for every treatment/hospital stay/course of medication so there is no incentive for healthcare providers to stick to evidence based/best value-best outcome treatments. So when I see that an organisation like the AAP are recommending a different approach to the UK and it's an approach that involves more intervention and spending money on medication I am inclined to consider the provenance of that recommendation very closely and seek advice from medical practitioners who operate within a different culture.
Systems like the NHS have different priorities. Say what you like about the restrictions of the NHS, but they are much more likely to only offer treatments that are strongly evidence based because they have to justify what they spend.Public health recommendations are given only when strong evidence points to it.
And of course, the absolute cracker about private insurance funded/over-medicalised health care systems is that they do not result in improved outcomes - life expectancy in the US is only marginally ahead life expectancy in Cuba, despite the vast disparity in spending on health.
http://ucatlas.ucsc.edu/spend.php