I'm just curious why I pay so much for health care...

I'm just curious why I pay so much for health care to AETNA when their contracted doctors are not ultimately authorized to make decisions for the care of their own patients. Instead, there is a group of poorly trained, very rude individuals at some company somewhere telling the licensed health care system what to do. My daughter, an acrobatic competitive gymnast, has been in pain and has not been able to practice nor compete for the last two weeks because this "health care company" is in no hurry to decide whether an MRI on her lower lumbar is good practice or not. How is this even legal? And how much of the ridiculously high premium that I pay each month goes to these people?