This is exactly what Arnold Kling has been discussing for quite some time, and what his book dealt with on various levels.
The discussion is from an interview on the Newshour where Dr. Elizabeth Nabel, the director of the National Heart, Lung, and Blood Institute talks about a study recently done that shows that angioplasty performed after 12 hours of a heart attack does not improve a patients condition over standard medical treatment. Of course, before the 12 hour mark, angioplasty does make a significant difference in the patient’s condition. Also, at any point, if a patient is still experiencing chest pains or is not stable even after the 12 hour period, angioplasty is recommended.
The important thing to learn is that part of why we pay too much for healthcare can be attributed to the amount of excess in which we request for the premium procedures or medicines even when they’re not necessary.
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Not unlike the current trend for OBG/YN medical professionals to push for induced births and often times, cesarian sections eh? This has always boggled my mind since women have been giving birth naturally for hundreds and hundreds of years with relative success - I think it speaks to your point of "premium" for sure
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