But, Insurance companies are allowed to choose which drugs they put on their formularies and which treatments they will pay for, to hold costs and premiums down. A series of a few shots costs a couple of hundred dollars, at most. Hospitalization for Covid-19 costs run from over $10,000 for a mild case, to upwards of $425,000 for a more severe one. Utilization Managers decide all the time what cheap treatments your doctor must try first, before they authorize expensive ones. There is nothing new about my proposal.