And how is this supposed to work? Like, at all? Does the urgent care place have 2FA set up for every insurance company? Just the insurance companies they accept? What about folks that don't have their phone on them (which is reasonable to forget if you need medical care urgently, even if it's not ambulance-grade urgently).
Plus, you've got the fact that the elderly are both a major market for medical services and famously techno-phobic....
On one hand, we have a modern banking system that allows instant money transfers to anyone at any time, and the government is developing its own cryptocurrency. With our electronic voting machines, the country knows election results within two hours after polls close.
On the other hand, each company, including those providing essential services, creates its own solution without any regulatory oversight. This fragmentation extends even to official government services.
In the case I mentioned, each private health insurance company freely determines its own procedures for patient check-in at affiliated clinics. With my insurance plan, my ID card is sufficient--for now.
In my experience, using the identity card is more common. Only drivers have a driver license, but nearly everybody has a identity card (and every identity card has a photo); and AFAIK, the identity card is one of the mandatory documents to get a driver license.