Can an insurance company contact my doctor and change my prescription without my approval?

Medco Prescription Insurance Company has on two occasions contacted my doctors and had my medication changed without my approval. This is really starting to PISS me off. Do they have the right?

For instance, I was taking Prevacid and it was doing a great job, but they contacted my doctor and asked that I be put on Nexium and he obviously agreed because I got a letter in the mail stating the change.

I don't care if the medication is cheaper, and I don't care if my doctor prescribed a certain medication because he is getting kickbacks from the pharmaceutical companies. My point is, I trust my doctor, he is the one with a doctorate and he prescribed my medication for a reason. They should have no right to contact my doctor without my approval and change a prescription.

Does anyone agree? And do I have any merit in my argument? Does anyone know the legalities of this? I'm probably being hard-headed, but I'm tired of insurance companies pushing me around.

Thanks!

I think it's totally BS too. I personally think it's an invasion of privacy. If you have one of the books the insurance Co. sends, I think they call it "Explanation of Benefits" see if it's written in the book that they have the right to do it.My Insurance will only cover Generic Rx's and some of the Meds my husband is supposed to be taking don't come in Generic form. We are unable to pay full price for them so his Dr. will give him free samples.

Thanks guys! I appreciate the feedback. :-) Report It

Unfortunately they can - it's total BS

It's not fair. Atleast they have to consult with your doctor. Prevacid is good med, and isn't cheap. Not sure if the other is cheaper, but it's probably safe to assume so. Insurance companies have too much power. What they cover is all dependent upon contracts they have with each clinic or hospital. How stupid is that?

They can and should ask your insurance co to find a cheaper drug or an generic

I agree!

yes they can

AND

Yes your doctor can tell the insurance company that it is a MEDICAL NECESSITY and then they will cover it

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