It really doesn't help that much. At best, it may reduce symptoms by one day. We usually recommend plenty of over the counter symptomatic treatment. And, most public health agencies are controlling Tamiflu anyway, with a goal of providing it to the highest risk patients. For some reason, the H1N1 flu is affecting pregnant patients the worst.
With respect to insurance companies, I won't comment directly. However it is estimated that 1 million people have been infected with swine flu so far. At $100 for a course of Tamiflu, that is $100,000,000. I wonder if maybe that money could be spent in other ways that would be more beneficial.
Ken