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Insurance having such control and practicing medicine in an indirect way like that is insane Not that insurance here will accept and cover everything, of course For medicine we just get the prescription from the doc, see if a public pharmacy has it (so it's free), or just buy it at any pharmacy
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Some insurance can give you a discount while buying some medicine We have even a bunch of medicine that you don't even need a prescription to buy (but to take from the public pharmacy, you need to show them a prescription for everything, even regular eye drops, to control how much people are taking)