Yeah well......every week or two I see a legal team commerical telling the history of drugs gone astray in this country. Don't shit me....all drugs have side effects and even flu shots kill a percentage of those who agree to have one. Even the little blue pill which causes an erection kills some heart patients who don't get enough warning. If it is something which 20% of the population needs to be treated for they approve it. If it's expensive for insurance companies and only a few people are affected by it...........THEY WILL NEVER APPROVE IT
ONE of my medications costs 100K/year. It is a 'specialty medicine.' My insurance pays and all it costs me out of pocket. is $70 every 3 months. I pretty much have to keep working because if I retire and go on Medicare alone, I will be holding the bag for about $25K/year. So obviously I plan to work as long as I possibly can.
Viagra was first tested for the disease that I have, pulmonary hypertension. It was not invented to give men boners. But when they started getting boners during the clinical trials, the company decided to market it for men who needed to get boners. When I was in the hospital in August, I was given Viagra 3 times a day. Now that I'm home, I take Adcirca, a very expensive newer generation drug which is marketed for ED as well as PH. The drug has been very effective for my PH. And I have heart failure from the PH, but it has caused me no problems. I take it at night. Every night. When I get up in the morning, my lips are so red, I look like I have on lipstick. Some signs of aging are also going away from my face as it gives skin all over, and not just in the lungs, or other 'organ' better perfusion. It is a horribly expensive drug as well. Again, my cost $70 every 3 months.
It is not true that insurance never pays for experimental drugs. In psychiatry, we use many drugs 'off label' ...IOW for the side effect of mood stabilization, or reduction of aggression. Off label use is generally considered experimental. But the insurance still pays, we only have to justify the use of an off label drug.
Years ago, I worked on an oncology unit where 75% of all treatments were experimental. I do recall some of them being paid for by insurance. So you are painting with a brush that is much too broad.