No, you have it wrong too. I work in pharmacy and can tell you that if pharmacy benefits are very much done in real time. Lets say you brought in a prescription for amoxicillin to me, but your doctor faxed the same prescription to my competitor across the street. If they submitted the claim a nano second before I did, I would get a reject saying it was too soon and they weren't going to pay a dime. I would tell you your insurance company won't pay for it because you just got it (I would have no idea where, just that you didn't fill it with me), and you would make a scene.
The issue that your link talks about is that medical coverage (Doctor's visits / Hospital / ER), durable medical equipment (walkers / prosthetics / nebulizers), and pharmacy benefits (drugs) have traditionally been separate plans and each are billed on different systems. They have never nor ever intended to talk to each other. And using the terminology the authority uses, each could very easily and often do use a different benefits manager. By different benefits manager, I don't mean Joan, Todd, and Tedd in three different offices in the same company. I mean three completely different companies each who do things very differently from each other and have no means to communicate with each other.
In other words, your medical benefits and your pharmacy benefits have always been two separate plans. The way the billing infrastructure was designed and built never intended for the two to intertwine. (This is what she was talking about with the two bank accounts). Billing is such a legal and technical mess, your insurance really doesn't want to deal with it, so they outsourced it to two different companies, one specializing in medical billing, and the other in pharmacy billing since each has very different laws, regulations, and entities to do business with. All three parties use different systems built up and customized over the decades, and now Congress requires them all to speak to each other in real time with real legal ramifications for the people rendering the actual services you are using.
The kicker is the insurance lobby wrote most of the law, so they knew this was in there, and they knew the technical ramifications of it. Like others have said, they want Obamacare dead. They made sure there wouldn't be single payor as they would no longer exist. And they can't exist with the law in its current form. She is threatening that its going to take a day plus to process prescriptions and people are going to die waiting to get their time sensitive medications and come election time heads are going to roll. They are already raising premiums, and raising what you have to pay at the pharmacy counter. All parties involved with the writing of obamacare have no intention of it surviving or any part of it implemented including the President, Congress, and the insurance companies. Its healthcare theater.