Prior authorizations with meds.
I wish so bad that the doctor could just filter out non formulary meds by insurer when he goes to prescribe, rather than:
1. prescribe random brand of med that you need
2. pharmacy rejects that brand because its not formulary for your insurance
3. Prior auth request is sent back to doctor
4. Doctor gets around to filling it out eventually
5. Prior auth goes back to insurance
6. Insurance decides whether or not to accept it
And when all is said and done, hopefully your still alive to even take the med