Bullshit. In sane countries, if a doctor bills a service, the insurance simply has to pay it. In most health systems, if a licensed doc bills what is a normal unexceptional standard procedure for a condition, the insurance simply has to pay it. They're a licensed doctor. That's just one of the powers of their position. If an insurance company thinks a doctor is committing fraud, they can haul them in front of the medical licensing board and make them justify their diagnoses and treatments. Sane countries simply do not allow insurance companies to arbitrarily deny coverage for non-experimental, non-cosmetic medical treatment. If a doc sets a broken arm, insurance isn't even allowed to try and weasel their way out of covering it.
Most medical systems around the world work like this - by simply trusting the judgement of state licensed physicians. They do this, and the sky doesn't fall. And we're the ones stuck with the most expensive medical system on the planet.
Brian Robert Thompson, the serial killer that murdered 40,000 innocent people, did so by overruling doctors for profit by denying life saving medical care. In most countries his actions would have been a national scandal that would have seen him in a cell for the rest of his life. He was a mass murderer personally responsible for a dozen 9/11s. He literally dwarfed the body count of Osama bin Ladin.