Recently, my wife was going to be out of the country about a week-and-a-half. Her prescription for a medicine to manage arthritis would run out at the very beginning of that time. But insurance company policies refused to allow her to fill it even a little bit early. As a result, her only option was to go without the medicine for several days.
Policies should be set by organizations whose primary goal is to provide effective health solutions, not organizations whose primary goal is to minimize costs in order to make a profit.