austinmshauri, you make fair points. However, I have read of many cases where insurance companies will not cover treatments that a physician recommends. Also, I have read of many cases where people had lengthy fights with insurance companies to get a treatment covered, that eventually was covered. I would not trust people to determine what treatments were medically necessary, if they or their employers had financial incentives to decline to cover a treatment.
Also, the story about the woman on back-to-back cruises, rather than going into a nursing home, was a joke. (I think I wrote that at the beginning, but perhaps in the heat of the moment, I omitted it.) I doubt that anyone has actually done that. But within the last year, I heard from a nurse that nursing home care in our area, would be $12,000 a month for a patient with Alzheimer’s.