I know this is wildly out of character for me, but...
Health care costs and insurance premiums can be discussed in the politics & religion forum.
OP's question was about whether some health carriers will pay for a bike fit. We've answered that question. Some will pay for it if it's through a PT that provides these services and is in treatment of an injury.
Complaining about whether something is "fleecing" the insurers or using the ER if you're uninsured is totally irrelevant to his topic.
On that note: ****!