Patients Irate With Insurers' 'Fail First' Policy

"As long as healthcare is a benefit, and not a right, then measures such as step therapy are important means of preserving pharmacy benefits," he said. "If step therapy were to be prohibited through legislative means, there are other means through which a payor -- whether they be government, health insurer or employer -- could limit their cost exposure in pharmacy.

"These could include removal from formulary, increases in copayment, addition of deductibles (and increasing them), or 'carving out' pharmacy altogether and just cover medical expenses."

Tennant said he believes the true solution to the problem does not lie with new laws.

"There has to be some goodwill meeting of the minds for the people who practice medicine, those who need the help, and the people who are paying for it," he said. "Most of the [insurance companies] are trying to develop formularies comprehensive enough to get the job done without compromising patient care too much."

But Cook said that as long as her insurance adheres to a step therapy policy, she and other pain patients will worry about her medication one day becoming unaffordable.

"We all know that our lives could change at a moment's notice if the insurance companies say, 'Change,'" she said.

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