This is horrible. PPNs are only good for the insurer. Not exactly the same, but when I was going through university in the early aughts, my parent's insurance had some pretty stupid restrictions on medications. I wasn't allowed to see the on-campus medical team to get prescriptions renewed, it HAD to be from my GP, and the prescriptions HAD to be filled within so many kms of my home address. No idea how they handled medical emergencies, but I heard horror stories of classmates being stuck with large prescription bills for a couple inhalers because they couldn't get "home".