You should, because the group of doctors reviewing it have more medical knowledge in their little finger than your family doctor. And, don't think they don't know your entire medical history, because they do. So yeah, it's a good thing.
It's to the insurance companies' benefit that you receive the best treatment for your condition. It costs them less if you don't end up in intensive care because some doctor in a rush prescribed you some ineffective or wrong meds. For example, in the case of Humana, they contract out the med referral review service to an independent group of medical EXPERTS in their specific fields. If they find a disagreement between what they think and what your doctor thinks, they will call and conference with your doctor to give him the opportunity to explain his path and method of treatment if you have a unique case. It's usually a 24-48 hour turnaround.
If you are having trouble getting a prescription filled, it's likely because your doctor is dragging his feet explaining himself as to why he prescribed a non-standard treatment. It's Humana's policy to abide by whatever the independent expert panel recommends, no matter the cost of treatment.
So bottom line, health insurance companies are not your friend and don’t have your best interest in mind.
And somehow PPB always manage to chose the one that is the cheapest and does not work.
Humana is undoubtedly the worst health insurance in the country. Killing more people per year then anyone besides Baby Killers Incorporate.