Which "HC industry higher ups?" are you talking about here - are they the same ones that are trying to justify 40% of their costs going to "administrative costs" like refusing service due to a corner case and just people to run and harass people about getting paperwork perfectly before they pay out?
You're literally talking about a large portion of the problem that create the entire clusterfuck because of them wanting to force a ridiculously high profit margin and non-service related employment into the product.
And on "if you got all your necessary screenings" nonsense - that's complete fabrication, barring preexisting stuff or stuff that starts to show on a general physical the general recommendation is a physical every few years assuming there's nothing going on that's the start and the end of the line until you're getting old. [And when you're old, you're Medicare and not the general healthcare industry's issue - just like if you've got an incurable cancer, you get a free pass to apply for Medicare quickly if you've got something terminal which your example likely is included to help curb costs]
So in short, you're listening to the criminals that started the entire problem because they wanted to profit off of people's health and believing them.
(And there's plenty of cases where something caught early is easier to treat - look at Strep Throat vs. Rheumatic Fever for Christ's sake - one requires amoxicillin/penicllin for a week to treat, the other generally for 3+ YEARS and can cause problems that require heart surgery to fix - all because a case of Strep Throat is left untreated. It's one of the more extreme cases, but still a pretty telling one of migration which is terrible [Most cancers will migrate if they're caught too late as well - which of course means multiple avenues of treatment being needed rather than just one increasing cost appropriately])
This data is coming from research for medicare. If you are in any way connected in the healthcare industry, you will very well know that medicare essentially dictates the payments that insurance companies bill - this doesnt occur directly per se but I don't know of a single major insurance provider that doesn't work on a system based on 'multiples of medicare' (ie when a group of physicians or hospital negotiate a contract they may negotiate a fee which is usually some multiplier of medicare reimbursement - usually this is greater than 1x but nowadays that isn't even a guarantee, but thats a different discussion).
To reiterate, I am basing everything I am saying off of MEDICARE expenses. Re: the subject of everyone getting screening was a hyperbole - while some basic estimates have proven what I said to be true, in reality the reimbursements would drop if the volume goes up - in other words if x increased number people go for screenings, then usually the $ reimbursed per screen by medicare will come down (this is historically what has happened and theres plenty of examples of it in the recent CMS schedules that have been published). Also, based on reality, there is no way our hc system has the infrastructure to support the necessary screening anyways, if everyone were to get their recommended studies. For example at some breast care clinics there is a 2-3 month backlog for screening exams even though there are hundreds of thousands of women who do not get all their appropriate/recommended screening.
Anyway I wish I did not bring that up because it was not my main point, but it does act as a nice segue for outlining the ugly truth. Speaking of breast screening, the USPTF (which CMS listens to 100%) not too long ago recommended a REDUCTION in mammo screening. This was met with an uproar by a lot of physicians in practice, because of all the ridiculous, questionable healthcare behaviors out there, mammo screening actually had a significant and strongly literature supported BENEFIT in mortality reduction. Instead, the USPTF picked out a few specific, and generally questionable papers, which showed either no or ambivalent benefit, and used that as an argument to reduce screening.
We all knew it was hogwash. But that's when many of us realized, its all about the bottom line for these people. The govt was looking for stopgap measures to reduce hc costs, and as a result damning untold scores of women to an early grave. But its so difficult to prove someone *could* have survived, once the change is made. It will be decades, possibly longer, before the data starts to show a slight, but significant increase in mortality (it may just be .1%, but that can still mean hundreds or thousands of mothers or daughters passing before their time).
Insurance company execs monitor and discuss medicare/CMS behaviors closely because it has a deep impact on their actions and constitutes a large part of the dialogue between them and the hospitals and providers. So we find out this stuff. And the general attitude coming down from the govt is - costs need to be cut. A big push for a long time was on preventive care, but more recent analysis shows that this does not have the impact it was once thought to have. And the reasons are as I discussed above - incidental findings resulting in over-management in a litigious environment, coupled with the (difficult to measure but very real) increased health care costs of an increasingly aging population.
Why are health care costs so much more now than they used to be, if our screening tests are so much more effective at preventing advanced disease and therefore presumably more expensive care? That 20 yr old you keep alive now, who may have otherwise died or had more expensive surgical costs a few decades ago, now lives longer and goes to the doctor more frequently, running up $1000s in medication costs (hypertension, etc), many more thousands in screening costs, and then several more thousands when hes old and demented and comes down with CAP and now needs an ICU stay.
None of this is to say screening programs are bad. Any ethical doctor needs to support preventive care as much as possible, because what matters most as a physician is (should be) improving and supporting the quality of life of a person, in addition to survival, and there is verifiable and irrefutable data that appropriate screening can and does improve morbidity. But do not be naive and think a significant fiscal benefit is derived. While some improvement in cost can be made by having a systematic tort reform of how malpractice works in this country (unlikely to ever happen), there is no humanitarian method to reducing costs of the aging patient borne of our healthcare advances. These fiscal issues analayzed by Actuarians and businessmen result in a push for other policies on the backend, things you dont see advertised.