This thread seemed to have morphed a bit, so I hope it's OK if I add in a happy note that's somewhat related.
My husband went back to work last week. He's been on disability since January. He was talking to one of the women that do all the insurance paperwork and she told him they cover smoking cessation one time. So, he dug out the receipts and brought them in, and they'll be issuing a cheque for $195. Since they are OTC we didn't expect them to be covered.