The reason insurance companies require people to use certain pharmacies is because they have a contract with them to get the drugs cheaper. They've negotiated a payment deal. It's the same reason insurance companies have in plan docs and medical services-a contract to get services cheaper.

Sometimes the online pharmacies work out well, but it's a pain. I'd call the CVS and see if somehow it was approved and it's sitting there, but if not, call your pdoc's office and explain your issue. See if they can get the approval to them right away. It's a hassle but once it's done, you don't have to deal with it.

It is a hassle. I've gone through this more times than I like. I just had to do it again in January, but I have done this enough that I know who to call. But, man, it's irritating.