“One will have to go on bended knee to a stupid federal bureaucrat, and convince him or her to allow it to be paid as an accepted treatment. “
Aren’t they already doing that? How many years does it take to get a drug or procedure approved by the FDA?
Yes it takes years and a billion dollars to get a new drug through the FDA.
In the future, add to that the cost of political contributions to the Democrats to ensure that bureaucrats will allow insurance to cover the new drug.