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.