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Here's a good example of an insurance company wasting money:
When claritin, zyrtec and some other allergy drugs showed up on the market not all of them were covered equally. My doctor gave me samples of each and told me to let her know which one worked best and she'd write me a script for it.
I tried them and determined that zyrtec was the best. I went to fill my script and was told that my insurance would not cover it unless I first had a prescription and tried all the other allergy medication out there, including nasal spray which I cannot take at all. So instead of covering zyrtec, which I knew worked I they would pay for 4 or 5 other prescriptions that I knew wouldn't work or I wouldn't even take before just covering the one that did work.
My doc, who is awesome, went to the insurance company and got them to over-ride it. Thankfully.
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Spork is the new MacGyver
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