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Old 03-10-2018, 07:27 AM
 
Location: Georgia, USA
21,222 posts, read 25,712,063 times
Reputation: 26032

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Quote:
Originally Posted by loves2read View Post
I take the same strength of Lisinopril
It is a very low cost drug
You should just call around and check various pharmacies
If you are buying over the counter vs w/insurance maybe your doctor will give RX that allows you to get a 6 mo count vs a 90 day which is what most insurance plans want and that might cuts some off the price

There was time I had problem w/my RX insurance coverage and was out of state-
I paid less w/o insurance than with a co-pay
And I have read recent article that is the case with some drugs and RX coverage plans
Pharmacists are also prohibited by state law or maybe Federal from telling customers they can buy the drug cheaper w/o insurance since the co-pay is what raises the price
Laws like that are the work of the drug lobby in coordination w/politicians to keep their profits up...
There are no laws that prohibit pharmacies from telling people that the drug may be cheaper without insurance, though store policy might be not to do so.

There is certainly nothing that prevents you from asking whether it is cheaper - with any medication.

The insurance plans I have dealt with usually want you to get a 90 day supply.
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Old 03-10-2018, 07:55 AM
 
1,004 posts, read 591,973 times
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Quote:
Originally Posted by suzy_q2010 View Post
There are no laws that prohibit pharmacies from telling people that the drug may be cheaper without insurance, though store policy might be not to do so.

There is certainly nothing that prevents you from asking whether it is cheaper - with any medication.

The insurance plans I have dealt with usually want you to get a 90 day supply.
it's some of the PBMs that prohibit price disclosure. some states are actually working on laws to stop this.

https://www.nytimes.com/2018/02/24/u...g-clauses.html
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Old 03-10-2018, 08:02 AM
 
Location: Georgia, USA
21,222 posts, read 25,712,063 times
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Quote:
Originally Posted by old fed View Post
it's some of the PBMs that prohibit price disclosure. some states are actually working on laws to stop this.

https://www.nytimes.com/2018/02/24/u...g-clauses.html
That's what I suspected.
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Old 03-10-2018, 08:11 AM
 
26,630 posts, read 44,502,601 times
Reputation: 13713
Quote:
Originally Posted by suzy_q2010 View Post
There are no laws that prohibit pharmacies from telling people that the drug may be cheaper without insurance, though store policy might be not to do so.

There is certainly nothing that prevents you from asking whether it is cheaper - with any medication.

The insurance plans I have dealt with usually want you to get a 90 day supply.
https://www.nytimes.com/2018/02/24/u...g-clauses.html
That article and others on line point out that it is drug companies that put clauses in their contracts w/pharmacies to "gag" the pharmacy from volunteering price information

Thanks for catching my mistake
And you are correct
People can ask but most are conditioned to thinking their insurance price is likely better than w/o

As as that article points out some states are initiating laws that prohibit the "gagging" of pharmacists volunteering price info
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Old 03-10-2018, 08:32 AM
 
Location: Old Hippie Heaven
15,780 posts, read 6,895,396 times
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A Costco pharmacist once pointed out to me that it would be cheaper for me to pay for a prescription out of pocket than pay my insurance plan's co-pay.

Another time a different Costco pharmacist told me that the prescription I had was for a drug that was available OTC as a generic for a lot less money. That was for Prilosec. I started looking at my doctor in a whole new light - she must have known that.

Yes, I'm a devoted fan of Costco pharmacies.
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Old 03-10-2018, 08:45 AM
 
Location: Foot of the Rockies
84,668 posts, read 98,159,587 times
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Quote:
Originally Posted by jacqueg View Post
A Costco pharmacist once pointed out to me that it would be cheaper for me to pay for a prescription out of pocket than pay my insurance plan's co-pay.

Another time a different Costco pharmacist told me that the prescription I had was for a drug that was available OTC as a generic for a lot less money. That was for Prilosec. I started looking at my doctor in a whole new light - she must have known that.

Yes, I'm a devoted fan of Costco pharmacies.
I've been told that by Walgreen's pharmacists, too.

However, re: the OTC vs rx, sometimes your insurance doesn't pay for OTC so it's better to get an rx and get it paid for eventually. It's all a silly game, really, with insurance.
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Old 03-10-2018, 08:56 AM
 
696 posts, read 1,310,221 times
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Through the pharmacy benefit of my medical insurance, a drug/prescription price, for the identical medication in the identical quantity, in the identical dosage, can widely vary across retail pharmacies. Case in point - one of my prescriptions is less than half the cost at the local grocery store pharmacy than it is at the closest CVS, and these are located less than one mile from each other. Why arenít drug prices uniform across all pharmacies? I just donít get it.

Last edited by Iggier; 03-10-2018 at 09:07 AM..
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Old 03-10-2018, 08:58 AM
 
Location: Old Hippie Heaven
15,780 posts, read 6,895,396 times
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Quote:
Originally Posted by Katarina Witt View Post
I've been told that by Walgreen's pharmacists, too.

However, re: the OTC vs rx, sometimes your insurance doesn't pay for OTC so it's better to get an rx and get it paid for eventually. It's all a silly game, really, with insurance.
If the out-of-pocket cost is less than the co-pay, why on earth would I use the insurance?????
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Old 03-10-2018, 09:13 AM
 
Location: Georgia, USA
21,222 posts, read 25,712,063 times
Reputation: 26032
Quote:
Originally Posted by Iggier View Post
Through the pharmacy benefit of my medical insurance, a drug/prescription price, for the identical medication in the identical quantity, in the identical dosage, can widely vary across retail pharmacies. Case in point - one of my prescriptions is less than half the cost at the local grocery store pharmacy than it is at the closest CVS, and these are located less than one mile from each other. Why arenít drug prices uniform across all pharmacies? I just donít get it.
It probably depends on the wholesale distributor the pharmacy uses.

If they all priced everything the same then the price might be higher.
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Old 03-10-2018, 09:14 AM
 
Location: Foot of the Rockies
84,668 posts, read 98,159,587 times
Reputation: 31100
Quote:
Originally Posted by jacqueg View Post
If the out-of-pocket cost is less than the co-pay, why on earth would I use the insurance?????
If you're taking a lot of meds, you'll reach your deductible and get everything for "free". Maybe. You have to be careful when trying to game the system.
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