Drew
Forum MVP
I've unfortunately got more transparency into this than most - I'm married to a doctor, and my dad was a doctor, so I've heard a TON about the other side of this, how doctors often have to navigate the process of figuring out what medications are covered by which insurances, which alternatives are preferred and which they have to start with or otherwise rule out before moving on to other alternatives, etc. It's a logistical nightmare and a not-insignificant portion of my wife's workweek is spent working through prior authorizations, providing documentation to insurers that their preferred drug is not the right option for a particular patient (usually, because "we tried it and it was less effective/had worse side effects") to get them to cover something else.That experience came off as reckless and was rather jarring to me, I’m not sure if my boss even realized my jaw was halfway to the floor. The specific call that the question came up on was an elderly woman and whatever the med was, she needed it to stay alive.
Fortunately, the only prescription I’ve ever needed was amoxicillin when I was a kid, so I have zero experience in that regard.
But, all I'm saying is that's a long-running problem with the American healthcare system, that it's virtually impossible to "comparison shop" in that level of detail. The ACA didn't break that, just made it WAY more visible to you that it was broken.