Yep, letting business decide how to run their business is insane, only in a liberal world. What's next, telling pharmacies what drugs they have to stock and sell too people?
When you get a policy, it is specifically stated what is covered and what is not. If you don't agree, go find a new policy/insurance company. It shouldn't be a surprise when a non covered service is not covered under the policy you bought should it? If they refuse to cover a covered service under the policy that would of course be a problem and reason for litigation.
But you are right, its much better for the government to tell people, especially business how to run their lives. :whiste: