I don't understand the 3 month thing. If you can't renew for 70 days or so, what difference does it make. Or is the supply pipeline that sensitive?
OR, does the system depend on zero waste. Say that if you die, and if you have 3 months supply, then you leave 2 months to rot? If they only give our 1 month at a time, when you die, you leave 2 weeks to rot. Is our supply that on the edge?
More likely, you stock up and then switch insurance! That’s the reasoning behind limitations for commercial payers.