>Ironically this is the level of bureaucracy that a fully public healthcare system tends to include

I spent a lot of time dealing with health insurer contracts in a past life, so I am going to effortpost at you. Let's outline the process for UM in two separate systems: private health insurance, and big bad Socialized Medicine (aka fee-for-service Medicare)

Private health insurance:

1 Meet with your doctor and get a plan of care
2 Your doctor will check the prior authorization list to see if the plan of care includes any procedures which require prior authorization
3 Your doctor will gather your medical documents and send them to the insurance company
4 The insurance company will typically ask for more notes over the course of about seven days
5 The insurance company will then make an organization determination. 
    5a The insurance company may deny the request on the basis of medical necessity. You may appeal.
        5a1 You or your doctor may gather more medical notes to support the necessity of the service. You can send them to the appeals team for review by a different medical director.
        5a2 The medical director will consider your appeal. Typical turnaround time is between three and thirty days, sometimes longer. 
        5a3 The medical director may off a "peer to peer" call between your doctor who treats patients and their doctor, who cannot practice because he sexually assaulted a nurse. 
          He will ignore everything your doctor says.
        5a4 If you are a commercial plan customer (anyone not on Medicaid or Medicare) then your appeal may be denied. ***YOU ARE FUCKED.*** 
          There is literally no alternative but to sue the insurance company, which is tremendously expensive.
    5b The insurance company may approve your request. Good news! You can go get your procedure.
6 Assuming you aren't fucked by the prior step, you can get your procedure done. Be sure to pay your coinsurance or copayment.
7 Your provider will submit a claim. 
    7a The insurance company will review the claim. Even if they approved the claim previously, they may still deny it.
    7b If the insurer denies the claim, one of two things will happen to you (I am omitting a ~25-step process between the provider and insurer here for brevity's sake).
        7b1 If the providers who treated you are in network, you are safe. They will get stuck with the bill and nothing will happen to you.
        7b2 If the providers are out of network, ***YOU ARE FUCKED.*** Unless you are a Medicaid or Medicare member, you can be personally billed for 100% of the cost of the procedure. 
          This happens a LOT. The libtards recently passed a law to make this less common, but it's not totally gone.
8 A bill may arrive for some completely unpredictable amount. Pay it or go bankrupt and lose your house.

Medicare:

1 Meet with your doctor and get a plan of care
2 Get your procedure done. Be sure to pay your coinsurance or copayment.

This is not an exaggeration. And in spite of this, fee-for-service Medicare members cost the government less.

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bingo, looks like someone forgot to read all 200 pages of their Evidence of Benefits package Chapter 6, subsection § 7, column 2, paragraph 4, citation [b]

From a blueski libtard's perspective this actually works perfectly:

>frick rich rebel husbando's snitch

>frick working class people

>doesn't affect me at all

lmao, and you think the US system which includes all the back and forth negotiations etc with other peers is not bureaucratic ? everything fricking is

Have you never dealt with health insurance before?