So, I'm not against tests per se. During my career I was one that tended to order more labs, ultrasounds, MRI's than the statistical average. I worked for a great organization that did not require any specialty or insurance approval to order most labs and radiological procedures. If the doctor felt it was indicated, he or she could order it.
But, periodically we would get polite "information scorecards" or something similar.
"Dr K, your lab/radiology ordering cost last year was equivalent to 2.7 million dollars. Comparable colleagues with similar care and quality outcome scores ordered 2.2 million annually. Here's what you ordered compared to your peers..."
It wasn't a punitive thing. Rather, it was a "please think and reflect on the value of tests that you order as your colleagues seem to have just as good quality and care for less," kind of thing. (I mean, I can't remember the exact dollar amount and made up those numbers, but it was in the 7 figure range...). None of it affected my reimbursement.
But wasted money is wasted money. The US already spends the most, as a percentage of GDP, for health care. There is no free money for any additional, new or questionably beneficial testing and treatment. Every additional test you ask for will result in higher premiums, higher taxes, or a worsening national debt. When you say, "my insurance will cover it," you're really saying "everyone else in America," or, alternatively, "all my POA buddies," should pay for it.
Like I said, I'm not against tests, but the real question is "what is the value of that test?" For many conditions and tests, that requires some thought.