https://mas.to/@MikeBeas/113666556469008087
EDIT: I think you should get the service you pay for, just so that's clear.
this post was submitted on 18 Dec 2024
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Generally speaking, uninsured medical costs and medication are cheaper than what the insurance company pays. SOURCE
Hospitals and Insurance companies do this because it's a write-off for the insurance company and it makes the patients feel better about their coverage plan.
You likely could get the treatment without the authorizations if you pressed, I sincerely doubt the hospital would try to stop you, but that would put you into debt so obviously don't do that.