Why is it taking so long for approval with insurance companies?

I just had a general question on insurance. I have 3 different insurance carriers. one is through my first job another is through my second job and the last is Medi-cal which is state insurance. As I browse through profile I have notice with some of you it has taken at least if not 1 year to have surgery done because of the stupidity of an insurance company, do insurance not realize that they are saving money by treating a MO by giving the surgery because of the co-morbies? Do you think that they think we are all doing this because we want to be thin? I see my DR once a month and sometimes 2 times a month because of my blood pressure problems and I know that DR visits and hospital stays are not cheap. So why does it take an appeal to get healthy, so we the MO people can save the insurance companies less money by less trips to the DR office, hospital stays and medication. Am I venting or does this make prefect sense?

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