Health insurance companies routinely attempt to meddle with patient care in the name of cost savings, forcing doctors to justify their professional decisions to company representatives with no medical training. This practice is absolutely justified in cases where a physician seriously deviates from a normal course of treatment, but companies have recently begun applying this standard to any prescribed drug that isn't "formulary", i.e. the least-expensive choice, even when the drugs are significantly different. Because doctors often don't want to deal with the bureaucracy involved, patients are routinely forced to shuffle paperwork between the pharmacy, doctor and insurance company, either overpaying or going without needed treatment while they wait for the parties to resolve the situation.



