They should pay for prophylactic counseling?
Yes, because prevention is superior to treatment after the fact in both outcomes & overall cost.
Though it seems you have a differing understanding of “Medically Necessary” to my own so i suspect we won’t agree on this.
“For profit healthcare” is a misnomer is should be called something like “profit equilibrium maintenance : healthcare edition”
The best outcome for a “for profit” is profit, not healthcare. Given the choice between larger profits and better healthcare outcomes the profit will win out, every time.
I’m not sure what you mean by this, would you mind elaborating ?