Originally Posted by Spood
What he said.
Also, on occasion, I dunno if it's still true...the insurance will get rebates from one manufacturer in return for covering their product. Basically, they want to pay as little as they possibly can. As far as they're concerned, Claritin should be just fine...and if it's not, they want your doctor to tell them so. Your word just won't cut it.
For NOPD: We have this guy whose MD DAW'd his Prilosec. Not Prilosec OTC, but the original stuff. ...and his f'n insurance pays for it! No wonder insurance premiums are so damned high.
It happens all the time, and idiots wonder why they got to pay so much.
NEC: It is an insurance thing. They have what is called a formulary. A formulary is a list of drugs that the ins pays for. They're rated usually as 1st, 2nd, or 3rd tier. Your zyrtec is not on the list, so it may need a special request (prior authorization) from the dr. in order for it to be approved; or in your case it is not covered at all.