Fred - I was prescribed Betapace with my first nasty afib event that was so severe I went to the ER. I was on it for two years. It did not control my arrhythmia very well. Even with it, I had one or two events/month which escalated until I changed to a different cardiologist who placed me on Toprol only..which didn't work any better than the Betapace.
I am not totally sure, but I think the Clinic (at least) wants the patient to try drugs for a while and if they either don't work, or are totally unacceptable to the patient because of side effects...such as fatigue... then I believe the patient can opt for an ablation. As least that's the way it worked for my neighbor who was only on drugs for about a year and she hated them...went for the ablation. My CCF cardiologist always told me that if and when I either became drug intolerant or just wanted off the drugs, I could schedule an ablation...so that would lead me to believe it is not clinic policy...but I'm not absolutely positive.
It very well could be insurance protocol. Certainly sounds more cost effective, but you could check it out by calling your insurance carrier.
Sorry - this isn't much help, but it is my experience. Jackie