Agreed.  However, there will always be a challenge in determining whether treatment sought is medically effective.  Sounds like the treatment wanted here was controversial.  To bad we can't get a follow up and see whether the treatment turns out effective or whether the insurance company was correct to be skeptical.  Judgement calls abound in these matters and resolution of the questions is not always obvious.  If we should pay for every treatment regardless of demonstrated efficacy, I want everyone to know that I have an interstellar warp-drive-based magnetic crystal illness vaporizer which eliminates all illness guaranteed.  It is $100,000 per treatment as magnetic energy is expensive.  As soon as your insurance agrees to pay, I would be happy to provide the service.