Pretty much, yes. They can and will under certain circumstances micromanage you to the point of death, literally.
This was years ago, but it still applies. Hubby got extremely ill, and was hospitalized, then sent home. After hubby lost 5 months of income and had multiple lab tests, he never got a diagnosis, but we were also doing lots of research on our own.
We determined that he probably had been bitten by a tick and had Rocky Mountain Spotted Fever (the symptoms and the history all matched). But his doctor refused, and the insurance company declined to authorize testing him in time, even though we asked- begged them repeatedly, but they refused. I found myself on the phone with the insurance company an average of 2 hours a day for a long long time. Of course it didn’t help that our doctor was a total dunce, and hubby refused to change docs, but that’s another story.
He did recover, but it was not due to the help of his doctors or the insurance company. Many nights I remember holding him while he slept, wondering if he’d wake up in the morning. Those were painful days for us.