From my experience as both a patient and a spouse to a general practitioner the opposite is generally true. Doctors are grossly unaware of both costs to patients and insurance eligibility of procedures. They push for the solution that they believe will resolve the issue with the best health outcomes while minimizing their own risks of lawsuits without considering other factors. Next, a faceless bureaucracy on both the medical and medical insurance side of things (few of whom are medical doctors) will slowly spin into motion to maximize profit and minimize costs, all while you have very little recourse/leverage/knowledge to fight the outcome.
I will grant you that in some specialties and smaller private practices what you describing is probably true.
I will grant you that in some specialties and smaller private practices what you describing is probably true.