This is absolutely true, all of it. The insurance companies do not have the incentive to do what is best for the patient. I've been shocked at how little they were willing to cover, with very little justification, even when extreme depression and suicide was a possibility. Just think, they are willing to spent north of $1 million on a patient for complex cancer surgery, but are unwilling to spend 20k to pay for therapy that is proven to prevent a suicide.
Cancer when left untreated costs the insurance a lot of money, even if only for palliative care. Suicide on the other hand is a one-time event with minimal, if any, insurance cost. It's a trivial business decision.
In the US, the insurance is probably through (and mostly paid for by) the employer. As long as the employer hires a replacement, they're back to where they were.
As depressing as it is, I bet there's a table out there that covers this (and the risk that the replacement is poached from some other company that pays the same insurance company).
