I've only been on Tec for two weeks, so can't answer the initial question, but I have United Healthcare, and it went through with no delay. I have a $75/month copay, which isn't too bad for me if this med helps, but might be if you're on a fixed income. Why is this drug so expensive in the first place? Wasn't it used in Europe for many years for psoriasis? Didn't they just take an old-ish drug and just rename & repurpose it?