More like the healthcare providers found a way to milk the insurance. The most important aspect that is amiss is the outcome of the patient's treatment. But if the practice of background mining to upgrade the claims is correct, I don't see how it can help the patients.

Rising healthcare costs are bad for both insurers and consumers, yes. I'm not sure why you say AI is a "scapegoat" here - they seem to be making a plausible case that the AI tools are directly causing this cost increase and it doesn't correspond to an increase in services provided.

Sounds like AI ROI is overpromised and underdelivering