I have just been pleasantly surprised by a health insurance company: they aren't requiring "prior authorization" for my Kesimpta prescription. The person I spoke to this afternoon checked whether I had any of the drug left (no), and whether I'd missed a dose, before arranging delivery for Thursday morning. This is the drug whose copay will meet the 2026 out-of-pocket maximum. Yes, I selected a plan in large part based on the prescription drug coverage.
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