Your insurance company may first make you follow “step procedures,” refuse to allow drugs in combination with others, or simply deny the drugs prescribed by your physician. Insurance companies sometimes make patients try generic versions of biologic drugs called “biosimilars” first. Your insurer may have a policy that determines if and when medications are authorized for specific diseases or may determine the drugs are not medically necessary. Decisions like this are often wrong and the drug your doctor prescribed may absolutely be medically necessary.