The question is it worth it changes when the person paying is not the person benefiting.

Cost-benefit thinking assumes one person weighing both. Split them, and the person paying will judge worth by their own outcomes while the person benefiting has no say in the calculation. Decisions about care, about facilities, about anything provided for others, quietly become decisions about what the payer values.

Whenever you assess whether something is worth it, check whether you are the beneficiary. If not, ask the person who is. That single step corrects most of the error, and it is skipped almost every time.