It's not the government that tells the insurance what's cosmetic or medically necessary unless she's on Medicare or Medicaid.

Regardless, there needs to be laws that make it illegal for insurance companies to try and overrule doctors' medical diagnoses and deny coverage. I've straight up had my insurance company argue with my doctors about prescriptions before, requiring them to fill out a bunch of pre-approval forms that they have to renew every year, which then causes me to have to wait an extra few days before I can even get my meds. Luckily, my meds aren't life-or-death. Unfortunately, they pull the same shit for people needing life-or-death medications, too. It's fucking evil and I cannot comprehend how over 220 million US voters aren't rioting to get a better system.