what the insurance companies does to your file

I was reading and I heard from a members post that their insurance company sends their file through three different opinions before approval or denial, a regular guy, a nurse, and then a doctor for the final ok?

I dont know what my problem but I kind of personify the insurance company. How much money do these companies have? I know that because I have a chronic illness I have gotten MORE than my fair share in what Ive sucked out of them, than what Ive paid.

So when they get the files is it a panel of people with business suits on pondering and looking through it and prejudging you, or is it just a few coworkers checking off a criteria list?

I know the local headquarter at medical mutual is huge, I cant imagine what the head company is like. Its very intimidating