If insurance is going to pay, people don’t care what the price is. There is no price-demand pressure on the market.
Try the GoodRX app on your phone
I lost my VERY good BC/BC policy, thanks to Obamacare more than quadrupling the premium
I can get 90 days of most of my meds for a fraction of what a 30 day refill costs without it
And it works with or without insurance. Just not if you’re on Medicare/Medicaid, as I understand it
It goes both ways on this. Sometimes it costs nothing much above the co-pay (if that), other times, orders of magnitude.
It doesn’t hurt to ask. It also doesn’t hurt to try to stock up on prescription meds, as about 90% of the Americans taking drugs on a regular basis are about to learn, as China’s exports begin to shut down.
How about YOUR CHOICE with YOUR MONEY. What a concept.
As far as insurance goes - any insurance - they ONLY way they can stay in business of course is to make money. Nothing wrong with that.
But to make money, the odds must be in their favor to make money and you to lose money. That is why they pay top dollars to Actuaries to figure all this stuff out. Otherwise, they'd go out of business. Insurance is a game where they're betting for you and you're betting against you.
ping
Self Insurance is the way to go and is easy for most families to cover unexpected medical costs. All one needs to do is earmark savings each year for each member of your family.
Just like there are advantages for paying for gas for your car directly.
That may be true on some drugs but I just picked up a $241 inhaler for $47 on my medicare advantage program. The previous month I paid cash and it was $241. Now that I met my deductible its $47.
No. Shut your mouth. Obama sponsored the AFFORDABLE care act. He is a god among men. /s
America, the land of the rent-seeking, parasitic middlemen.
These tapeworms are effectively printing their own money, donate part of the booty to the DNC, and the DNC promotes politicians who support the tapeworms.
It's an unconscionable racket.
I’ve known people who needed non-emergency operations and had no insurance, they got their operations for just a little over the price of most deductibles.
So what cost you about $20 for a ninety day supply will cost you $150 the next time you go in. So you will need to have the prescription to a new pharmacy with a cheaper price. But you can only do that once.
Also if you have to take a name brand then the cost will be stratospheric. You can get name brand from Canada for a bit cheaper but it will still be high.
The current situation is unacceptable. It’s unfair. Making the insurance company pay raises the premiums. There cannot be two prices for the same item.
I get injectable testosterone. My cash price is less than the insurance copay.
There’s the cost of the medicine and the cost to stuff it in bottles.
One dollar for the drug company and $3 for CVS makes for $4.
This article articulates something a family member who is medical practice consultant told me years ago. His daily job is trying to get around this bureaucratic corporate tyrany over doctor and patient.
Scream, yell and complain. These people are killing us and robbing us on the way to the grave.
Anthem probably paid less than $40 for the prescription.
Let me add to this... before gov got involved.. before insurance became part of the salary with the job... we had our own insurance.. it was called hospitalization insurance. It paid for hospitalization. We paid for our own dr visits.. which were ran from $5 to $12 a visit and when the pediatrician opened his new office, the visit was $25. We paid for own medicine either given by the dr or a prescription.. which ran from $5 to $10 usually. When pregnant, we paid the dr each visit and that part was paid by the time the baby was born and the hospitalization insurance paid for that.
Our salary then, was not near what it is now, but the prices have gone through the roof. To get a price quote from a hospital is almost impossible. I had a tooth pulled a year ago by an oral surgeon and the price WITH dental coverage, was over $2,000!
Some years ago when we had insurance with the job, I had 2 surgeries within 2 years for the same type... the first was $700 and the second was $700 again if the insurance paid... if the insurance did not pay, it was zero to me.
This is just letting you young folks know how much it’s gone UP with gov in charge. or insurance companies in charge..
Well duh!
People need to understand the basic concept— you get what you pay for.
When you pay cash directly you’re eliminating layers of insurance middlemen & government bureaucrat parasites. Thats why IT’S CHEAPER!