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My personal favorite was my insurance at my last job had my prescription coverage managed by CVS caremark. I have a few prescriptions I probably need to take the rest of my life, and after the initial fill at my local pharmacy, they would refuse to cover it unless I had my doctor resend the script to their mail-order service, and had the gall to claim it was for my convenience. Some of said medication is controlled such that I can only refill it within a few days of my current fill running out, bud will conveniently also cause some rather unpleasant withdrawals if I miss a couple of doses. So, "for my convenience," rather than calling in a refill and walking the two blocks to my local pharmacy, which has my refill ready in 30 minutes for me literally every time, I had to send it off to CVS. Then hope they filled it quick enough and there weren't any Sundays or holidays to mess with it.