When my mother broke her back recently she spent ten days in the ER before going to rehab.
This is because she found herself trapped in a bureaucratic limbo regarding standard of care. She was not ill enough to go into hospital, and not well enough to be released back to independent living.
The interaction between outfits like UHC and BCBS et merde and the eldercare industrial complex (hospitals, rehab facilities, insurance and pension fund companies) which is entirely made up of the sort of people who are comfortable farming basic human necessities for money.
Creates bureaucratic obstacles to appropriate care all along the way; usually under a claim of making it more efficient and safer.
It is specifically designed to channel patients into lucrative revenue opportunities at the expense of durable health care that actually fixes them or at least accomodates their needs.