Depends on which insurance company, whether they are not for profit, whether they have shareholders, their medical policies when reviewing claims, etc…
There is a lot of insurance fraud & abuse carried out by facilities, providers, business owners which increases members’ costs.

Not necessarily true. In-network providers are required to sign a contract with insurance companies. The contract includes $$ amounts that the providers are allowed to charge their patients. Those amounts are *much* less and keep patients costs down

Ambulance services for transportation to a morgue are not covered by insurance. Ambulance service is specifically for living people with a potential/actual need for Basic Life Support

Exactly!

I thought Cheryl Hines left him fairly recently