<p>This was our experience with insurance as well. Or perhaps it was just us being proactive. But when we received the insurance requirements, my D and I read them together so we had a complete understanding of what was required and what the costs were.</p>
<p>We then called our carrier, BCBS and verified that we met all the requirements.</p>
<p>Then we weighed which was the least expensive of the two options and chose to stick with our own carrier. The only downside was that the pharmacy at Gannett is not on the list of approved pharmacies with our carrier, so my daughter has to travel to a cvs or target to get them filled.</p>
<p>Seems to me, you would really have to go out of your way to try and subvert the system in order to end up without proper coverage.</p>