Yes, I've heard it called Treks look at the HMO....and yes, I kinda think what you said is exactly what the writers had in mind. That the medical companies run health care, not the doctors. The more you can afford, the better care you receive.
Check out the film "Puncture" starting Chris Evans
It's about how medical companies refuse to spend money on a fail safe needle that would prevent healthcare workers and nurses from accidentally pricking themselves treating patients.
89% of healthcare workers and nurses that have HIV/AIDS or Hepatitis are due to accidental pricking from needles caring for patients.