The best care costs money. As far as I’ve seen the best doctors don’t even accept insurance. You pay them. Nothing will change for individuals that have ample financial resources. For these hard working or lucky individuals, the medical system is indeed as limitless and wonderful as you say.
However the overwhelming reality for many is much different. Instead of your faceless bureaucrat you dial an insurance company representative who I assure you is quite equally faceless and uninformed about your condition who tells you what is covered. This is decided by a corporation that has a fiduciary duty to maximize corporate profits.
For people like myself, medical insurance coverage is decided by my employer. My choice of doctors, procedures, hospitalization times etc. are all rigorously controlled by my plan. Hardly the physician-patient kumbaya by the campfire you describe.
