Insurance companies will try to get away with everything they can if no one challenges them..
That's part of the reason why I think contacting insurance companies/PBMs is important. To the extent they may be aware but want to ignore the evidence in pursuit of perceived greater profits (as you claim), or partly aware and too lazy to become fully educated or to act, they need to be challenged.
When they are challenged enough times, and they know a record is being built of such challenges (they have to report complaints and their handling of same), and they know that the record shows they've been provided the information multiple times, it should become more difficult to plead ignorance.
Also, to the extent they are trying to do the right thing, or they understand that in the long run they would be saving costs by reducing CVD incidence, they would be incentivized to act.
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