They were not covered by insurance because such coverage is economically unreasonable, and a fundamentally unsound idea. Nowadays, it's different. Not better, mind you, just different. Oh yes, the boss does spend the employee's money to purchase it, but the employee thinks it's free. If the doctor thinks tests are needed, they must be limited to simple ones.
Complicated tests require permission from a clerk at the managed care company.
That requires a special, written request from the doctor. If the consultation is granted, the patient is sent to whatever specialist the company has cut a deal with. After all, he's special . That is unfortunate. We had better start asking them.