What is wrong with insurance these days???

Is it just me, or is there a major issue with the way that health insurance companies treat those of us who pay our monthly dues on a regular basis?

I was recently diagnosed with something that requires a daily regiment of various medicines to keep my symptoms at bay so that I can continue to be a contributing member of society.

My doctor prescribes medicine. The insurance company says "no, we aren't going to pay for that unless you prove that your patient needs it". The insurance company then insists that there has to be something cheaper that will benefit me. My doctor then has to file paperwork to prove that this medicine benefits me more than any of the things that they suggest. The insurance company will then approve the meds and pay for their part of it. So now all is good, or so I think.
I continue to work with the doctor to alleviate as many of the symptoms as possible.
The doctor then decides that we need to add another prescription to what I already have.
Well, the insurance company doesn't like this and again they say no, and that the doctor needs to prove her case. The doctor, once again send in all the required forms. The insurance company still says no. So the doctor changes the prescription and sends it in. This time the insurance company says (I will give you three gueses), NO.
What the HELL....
When did this happen?
Why does the insurance company have the authority to override what the doctor says?
Why are they overriding trained medical professionals?
Is it because of cost? I pay me fees just like everyone else!!!
Why does my insurance company have the right to override my doctor who has been treating me for years?
What is it that makes them think they know so much more then the doctor who has been treating me?
What is the point of paying for insurance if your insurance doesn't help when you need it to?
I have a theory.....
You pay your monthly insurance dues. The insurance company is pleased to have you as a customer.
Until you need them... So they try to get you to take the absolute cheapest med there is, so that their profits aren't affected. The cheapest doesn't work for you, oh well, that's just too damn bad. Their pocket books say otherwise. And who the hell are these people making decisions that trump those of your doctor....
If they really are that good and "all" knowing... then why the hell aren't they practicing medicine somewhere doing someone some good... instead of contributing to the migraines that my doctor is trying to get rid of.....
I have a solution to all of this madness.... all of these supposed experts/consultants who know better than our doctors do, should have to deal with the migraines and other inflictions that we deal with.... then, they should be forced to deal with the exact same insurance issues that we all live with and deal with. Maybe then they would truly be able to comprehend exactly what it is that they are doing to us and why Insurance companies have such a bad rap.

Coventry Insurance... I am calling you out on this. http://coventryhealthcare.com/
My opinion of you is very low.... I think that everyone at Coventry Insurance who makes a profit off of all the souls that pay you for your so called "quality" care, should have their skulls crushed... if not worse!!!!
I shouldn't have to jump through hoops to be able to feel better....
My doctor shouldn't have to jump through hoops to find meds that will keep my symptoms at bay....

When I have to turn in an insurance claim on my vehicle, my auto insurance company doesn't tell the mechanic that he cant use certain parts to fix my vehicle... or that he can only fix certain parts of the vehicle... they let him do his job.
When I turn in claims to my home owners insurance, the repair men aren't told they can only work on certain parts of the house, or have to use materials from certain companies... They are allowed to do what they need to.
Why is medical insurance so different?
Are my vehicle and my home really that much more important than my health and well being?
If I ever got hurt on the job, I am very confident that any employer I have ever had, would have made sure that I was taken care of....
If something happens outside of the job... I don't have the confidence that you would make sure that my health and well being would be your top priority...
Your only concerns are your profits.... and millions of Americans fell this sting everyday as they are denied the "quality" care that you so boldly advertise.