The insurance and medical industries in the USA are run by sociopaths.
In Washington state, legal marijuana is overseen by the liquor control board. When they have hearings, one desperate patient after another testify, and the board is combative, defiant and skeptical. It is very frustrating dealing with them. They have zero compassion. They keep trying to fold the medical in with the retail pot stores. Many ill patients consume an OZ or more of dried flower per day (in the form of extracts). The stores sell flower in gram amounts. Cheapest gram I have seen in a pot store is $15. The liquor control board says, "Well, we just won't charge sales tax on medical users". Sorry but that just doesn't work. Insurance won't cover it and many patients are too ill to work. They can't afford $500 -$600 a day buying little grams of weed to make oil from.
We get many patients from other states. Some have sold their houses and everything they own to come here and try to save themselves or a family member. When these folks testify in front of the board. They are treated with derision and skepticism.
Next year they are going to try and take over the medical cannabis industry, and many of us will refuse to stop what we are doing, so things will come to a head then. We will see where it all ends up. There are going to be a lot of martyrs.