I advise friends around the world NOT to go the way of the USA, putting private, for-profit insurance companies in charge of health care.
It has been a devastating failure.
Here is an interesting+ frustrating denial from @Cigna and NOW asking me to do peer to peer for NOTHING! Patient was asked to switch to Inflectra and when we switched; denial due to failure to document intolerance to Remicade 🤦🏽♂️@AmCollegeGastro@AmerGastroAssn@IBDMD