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I had to go through “prior auth” hell. Took me 3 months to get started on a treatment they my dr and I wanted. Some faceless person in the cloud kept denying it to the point that the company that made the drug brought in a person to help get the paperwork figured out.
This all stems from healthcare being tied to capitalism. Drug manufacturers want to make money and market their products to drs and patients. Insurance companies don’t want to pay so they employ desk jockeys to shuffle paper around.
In the end insurance is paying for a chunk of it but I have paperwork from the drug company showing they are willing to discount the drug by up to $13,000 a year for anything not covered by insurance.
And since my insurance company is greedy they don’t add that discount they aren’t paying for to my deductible limit like other drugs are.
It’s all a scam.