[chimeracoder]

> This is mostly not true unless it is subject to a prior authorization.

It is true. I used to work in this field and have helped many people navigate this exact issue.

> There are 100's of drugs used off label dispensed from every pharmacy every day.

Vaccines are treated differently than drugs by insurance, often covered by completely different networks under the same brand. Most people don't know this, because there's no reason for them to encounter the difference, because the situation of having to obtain a vaccine that isn't part of the standard schedules from a pharmacy is very uncommon.