create usable healthcare reform, by restricting limits on drug quantities and exclusions on the drug formulary

Just because medical insurance is becoming more accessible and affordable, does not make it more functional. The doctor knows the patient better than the insurance company. When the doctor prescribes medication, and then the insurance company states not on the formulary or can not issue the quantity limit, it is not in the interest of the patient. As healthcare evolves to become accessible and affordable, doctors are still the primary source for healthcare and instruction, not insurance companies. To ensure honesty, second opinions should be more commonplace. It is unacceptable when an insurance company completely or partially denies coverage of a drug based on cost and other issues unrelated to the individual's health. After all, it is about health