The CPAP jailbreak community was eye-opening when I first learned of it. I never expected something like that, but with the draconian policies it's not surprising. For example, my CPAP has a CDMA radio inside, which transmits usage data back to the manufacturer & my doctor. Insurance won't pay for it unless the machine tells them I'm using it – so a medical device company has a record of when I sleep and wake, which…
A CPAP machines costs about 10x as much as it should, and a part of that is insurance companies wanting to make sure they are not paying for a device you are not using.
Which then increases the price, which makes insurance companies even more worried about them.
Then you are paternalism where only a Dr. is allowed to change the settings on the machine. So they lock them down, which adds even more to the cost.
And then they are prescription only, so they have to go through specialized distributors because heaven forbid someone actually buy one without a Dr. letting them.
The end result of all this is lots of people making money, and higher costs for the patient in the form of higher insurance premiums.