You don't necessarily have to go through your insurer or comply with their protocols; you can negotiate with the pharma company directly. I had to do this when I was prescribed a cardiac drug which cost $2000/month. I got a fat discount and my insurer was none the wiser. I also raided my cardiologist's office for samples, but in a completely legal and non-shady manner. PC is anonymous, right? Another route would be to prescribe a drug which doesn't cause TD. Pdocs get kickbacks for prescribing certain medications. Hint.