Tragic as this is, why did she think Humana would cover her pre-existing condition (I know the sales agent said they would — what else is new). This isn’t an exchange policy and so isn’t Obamacare (but Obamacare caused this whole ugly scenario, yes).
The issue isn’t coverage, exchange policy or not all new individual policies have to meet Democare standards. The issue’s the insurer’s formulary. Democare allows all insurers to limit the drugs they’ll pay for. (It’s one of the ways they can keep the policies “affordable”) The formularies usually arise from the insurance company’s judgment about which drugs are medically necessary. She has appeal rights, and if she can show the medical necessity for this drug, the insurer will pay for it.
Her case is another example of a situation where central planning leads to decisions based on the good of the whole, not the good of the individual, which is why individual freedom dies when group “rights” become predominant.