Yes, the rep told me I was not the policyholder, just a claimant, so I could not see it.

Maybe others have been able to get it.

I think that's pretty BS.

It sounds like the way the Pharma Benefit Mgrs contracts / rebate contracts work - and employer companies who engage the PBMs can only read the contracts in person on site and with no phones or recording devices.

In general if a firm is being bad with transparency there is something they are hiding, and its not in the consumer interest.

Their logic clearly seems to be: if people knew what was really covered, moral hazard would go up and claims costs would skyrocket.