The company is setting up the program, not the insurance companies. Yes, this will cut into their bottom line profits but they would rather have 30% from the 60% (just an example), instead of 0. If this is the difference to get the patients on drug, then it is a good COMPANY PROGRAM. Companies bite the bullet on a percentage of patients all the time. Indigent, patient assistance, coupons, rebates, samples ect...However, this is a built in program for convenience and especially compliance. My point is, pharmaceutical and Biotech companies profit margin is so huge that they can afford the front end and maintenance incentives.