U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > General Forums > Economics > Frugal Living
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 12-10-2016, 01:56 PM
509 509 started this thread
 
2,551 posts, read 3,756,051 times
Reputation: 2946

Advertisements

Many prescription drugs are cheaper when you pay cash rather than going through your insurance. This is particularly true for drugs that you take year round, but can only get a 90 day supply through your insurance.

First, go your doctor to write a prescription for a years supply (365 pills) to be filled at one time.

Then when you go to your pharmacy ask what is the cash price for a years supply and compare that to the insurance price for 90 days times 4.

For example, today I went to Costco to fill two prescriptions and ask for the comparison. Costco has a antiquated pharmacy system so you have to be patient with them and they hate doing it. Not sure about WalMart, but that is the other low cost supplier for prescription drugs.

So for Drug A.....a years supply paying cash the cost was 107 dollars. The cost for a 90 day supply WITH INSURANCE was $30 or 120 dollars for the year. That was only 13 dollars, but it also means I do not have to drive to refill a prescription or worry about running out of drugs until I see my doctor in a year.

For Drug B........the 30 day prescription price was 30 dollars for cash and 10 for the insurance.

For Drug C........The years supply was $18 cash and the 90 day supply was $10 or $40 dollars for the year with insurance.

So it pays to get a years prescription and then ask about the difference between insurance cost and cash price.

If your on generics it might be substantially cheaper to pay for the drugs yourself.
Reply With Quote Quick reply to this message

 
Old 12-10-2016, 02:00 PM
 
Location: Sugarmill Woods , FL
6,235 posts, read 5,407,080 times
Reputation: 13591
I didn't know Dr. would write a prescription for a 365 day supply of medication.
Reply With Quote Quick reply to this message
 
Old 12-10-2016, 02:08 PM
 
Location: A Yankee in northeast TN
9,535 posts, read 13,377,961 times
Reputation: 20051
Quote:
Originally Posted by froglipz View Post
I didn't know Dr. would write a prescription for a 365 day supply of medication.
Same here, most of them want you to come in periodically so they can monitor whatever condition you are taking meds for.
Reply With Quote Quick reply to this message
 
Old 12-10-2016, 02:20 PM
509 509 started this thread
 
2,551 posts, read 3,756,051 times
Reputation: 2946
Yes, they will. It depends on the medication, but things like blood pressure, etc. that you only see a doctor once a year for the prescription they will write a 365 pill prescription. In fact, it is just a courtesy to the pharmacy since they tend not to have that many pills on hand in many cases.

The 90 day requirement is a INSURANCE thing.
Reply With Quote Quick reply to this message
 
Old 12-10-2016, 02:25 PM
 
1,347 posts, read 1,007,232 times
Reputation: 4391
My doctor will not write any prescription for 365 days, doesn't matter what it is.
Reply With Quote Quick reply to this message
 
Old 12-10-2016, 02:35 PM
509 509 started this thread
 
2,551 posts, read 3,756,051 times
Reputation: 2946
Quote:
Originally Posted by ccc123 View Post
My doctor will not write any prescription for 365 days, doesn't matter what it is.
I would find a new doctor.

I am paying for my health care, therefore, unless there is a legal reason for NOT doing something the decision is mine.

I pay good money for medical ADVICE, it is my body and my decision on treatment.

Here is the link for Costco cash prices......http://www.costco.com/Pharmacy/drug-...0701&langId=-1

It appears they pro-rate the 100 tabllet price for a years supply.

Last edited by 509; 12-10-2016 at 02:43 PM..
Reply With Quote Quick reply to this message
 
Old 12-10-2016, 02:38 PM
 
Location: Sugarmill Woods , FL
6,235 posts, read 5,407,080 times
Reputation: 13591
Quote:
Originally Posted by 509 View Post
Yes, they will. It depends on the medication, but things like blood pressure, etc. that you only see a doctor once a year for the prescription they will write a 365 pill prescription. In fact, it is just a courtesy to the pharmacy since they tend not to have that many pills on hand in many cases.

The 90 day requirement is a INSURANCE thing.
As well as Federal, and State laws, pharmaceutical laws, and medical ethics, place limits on quantities dispensed.
Reply With Quote Quick reply to this message
 
Old 12-10-2016, 03:05 PM
 
Location: A Yankee in northeast TN
9,535 posts, read 13,377,961 times
Reputation: 20051
Quote:
Originally Posted by 509 View Post
Yes, they will. It depends on the medication, but things like blood pressure, etc. that you only see a doctor once a year for the prescription they will write a 365 pill prescription. In fact, it is just a courtesy to the pharmacy since they tend not to have that many pills on hand in many cases.

The 90 day requirement is a INSURANCE thing.
I find that hard to believe since what would cover your one year supply would also cover four patients on a ninety day supply. You think a pharmacy wouldn't keep enough pills for that, four patients worth isn't really that much.
Reply With Quote Quick reply to this message
 
Old 12-10-2016, 04:55 PM
509 509 started this thread
 
2,551 posts, read 3,756,051 times
Reputation: 2946
Quote:
Originally Posted by DubbleT View Post
I find that hard to believe since what would cover your one year supply would also cover four patients on a ninety day supply. You think a pharmacy wouldn't keep enough pills for that, four patients worth isn't really that much.
I was surprised as well. Not sure if they wanted to hold me to the 90 day supply and used that as an excuse or what?? It was the Costco pharmacy. Ours Costco isn't very busy.
Reply With Quote Quick reply to this message
 
Old 12-10-2016, 05:12 PM
 
Location: Florida -
8,254 posts, read 10,024,597 times
Reputation: 15130
Beyond generics and a 90-day supply -- Another big savings I discovered was to get a compound pharmacy to produce cremes and things the pharmacy companies have otherwise chosen to raise to exhorbitant levels.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Economics > Frugal Living
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2018, Advameg, Inc.

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top