I love that you're thinking this is what USA insurance companies are denying, not simple diagnostics / medications that save lives.

The point is that there's a value judgment being made somewhere - who should be the arbiter and why?

Diagnostics aren't free, either: many (most?) countries do not have anything remotely resembling the private offerings that Quest Diagnostics and Labcorp provide (breadth of tests, 3+ different methodologies for some tests, etc.)