Considering prior authorization is predicated on the fact that if they reject enough requests inevitably some people won't fight them, meaning they don't have to pay out, I wouldn't be surprised if they use a slightly better than chance prediction as justification for denying coverage, if they even need an actual excuse to begin with.

I'm old enough that a lot of things that were going to take a long time have come to pass, so I feel confident this will come.

AI and genetics are both moving fairly fast, and insurance is about numbers and probabilities.