Save money at the risk of a patients health.

My wife needs a procedure, a laparoscopic surgery is the best option recommend by her doctor and supported that she suffers a colourents allergy. However because of money Medshield believes that the best option is the cheapest. Open surgery with a higher risk, more painful and higher risk to allergens. Open surgery is cheaper but requires a longer hospital stay. So the Hippocratic Oath means nothing from your medical advisor and patient first is actually patient second after money.

There is no other way, you hiding behind PMB benefits clause to save money instead of looking at the patients needs. Your version is, save money at all costs including risk and suffering of the patient.