Insurance is pure capitalism, using all their data and statistics to streamline care and minimize costs (for them, not for us). Sometimes it does work for the people's benefit, but most of the time it doesnt. For example, I have been told it is in insurance companies best interests to cover contraception to avoid having to pay the much higher costs of pregnancy later. Which is a positive.

They could have found that the x-ray identifies hairline fracture or something else that is misidentified as a tear. Or they are just shitty ¯_/(ツ)_/¯