How about the general public that just want to buy the product? When was the last time you bought an over the counter product at a Walgreens or similar store and submitted the purchase to your insurance company? In todays retail world that makes absolutely no sense. Why limit your marketplace? Another excuse in my opinion.
From April: OK; I need help with this one! They are not retailing the product because it is not yet available for OTC insurance benefits???
So, they are giving up income from customers who would buy the product even if not covered by insurance? That makes no sense. Let's take a conservative number. If only 25% of potential customers would buy without the insurance coverage, that's certainly better than zero income and zero product exposure.
Doesn't sound right to me, but I'm open to reasonable explanations.