if it won't cover your prescriptions? I brought my new scripts to the pharmacy last Saturday. They filled everything except the Provigil. The pharmacist said they indicated they needed "prior approval". Today is Thursday and the insurance has just gotten around to making a determination; the pharmacy has faxed the script in twice a day, each day. I was just informed that the insurance co. denied the prescription, so I asked how much it was to just pay for it, without going through the insurance co. "Only" $192.00 for 30 pills! That's one med I will do without, I honestly can't afford that. I was wondering if there was a way I could cover it at half that and couldn't do it, needless to say, I was totally shocked at that cost. And now there's the added worry about what my insurance company is going to do when our group policy comes up for renewal in February. I work for a small business and some of our employees are ex-military and are covered by other policies, so there are actually only 3 people, plus my dependents on the policy. Last February they increased our rates by 58% due to "exposure", which meant how much money they paid out in claims for us, and most of the claims were paid on me. My company pays $400 a month for my coverage and I pay an additional $400 a month to cover my kids! I cannot imagine what will happen in February now. I'm so afraid of not being able to get coverage in the future because of my medical record, and it looks as if the insurance company is pulling back on which meds they will pay for.