But do they need it? How do you know? And don't say because the doctor said so, because doctors disagree all the time. When my grandfather was dying in his late 80s, the doctor said there was nothing he could do. So his children took him to another doctor, who said the same. And then another doctor, who agreed with the first two. But then they took him to a 4th doctor, who agreed to do open heart surgery, which didn't work, and if anything hastened his inevitable death due to the massive stress. The surgery cost something like 70 grand and they eventually got the insurance company to pay for it. But the insurance company should not have paid for it because it was a completely unnecessary waste of money. And of course there will be mistakes in the other direction because this just isn't an exact science.

At that point, why cover anything at all if the doctor could always be wrong?