In my opinion, some systems need to be operated above the concept of monetary benefit. Healthcare is amongst those systems. The aim of the system should be comfort and well-being of people with health issues rather than the costs involved. Also if a doctor prescribes a treatment and the patient is comfortable with that, then it should not be abandoned merely because it is not the most economical way forward. And yes, I agree, in the end it costs more; both the discomfort and money.
Lastly, I wish we all realise that money want meant as a medium of exchange to serve mankind and not to be the master which would govern every single aspect of our lives.