Our expert says:
Years ago I realized that about the only thing you can't insure yourself against, is damage caused by insurance companies.
Sounds like your medical aid is being thick-headed and plain stupid, and one should appeal this decision --- they are not entitled to damage your health by delaying approval, or to expect you to cary the cost of THEIR delays. By reimburse, don't they mean the pharmacy should refund you the cost of those earlier tablets, rather than to take them back ?
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