Back in the 1980s, insurance companies, like Kaiser Permanente, would not cover treatments/diagnosis even if the policy holder had it in writing that the treatment/diagnosis was covered. There were several large ins companies involved in this and several lawsuits.  No it's not a crime to make money, but some companies are just plain corrupt simply because no one has kept suing them because they have no money to. Congress hasn't done squat in 20+ years, and it shows, so the only option left to citizens is a law suit.