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Lost my insurance, was afraid to get my prescription. It was only $18 more for a 3-month supply. WTH was I paying insurance for?! (self.health)

submitted 1 week ago* (last edited 1 week ago) by shalafi to c/health

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Insurance at my last company was so low, I'm not certain what it cost. $50mo. I think? When I started it was $35.

Let's do math. $20 every 3-months for a copay to get the doctor to re-up my prescription, $10 for the pills, $30 total. Add in whatever my employer paid for my part over 3-months, add in the doctor's cash-price difference. You get the idea.

And I probably could have found a way to cut the prescription price in half, or less. Ideas? That company Mark Cuban started? (Looks like it's $8.23/90-days there, haven't dug in on total price.)

Just learned about direct primary care, may jump on that if my new job doesn't cover insurance, or it isn't worth it. Thoughts on that?

Obviously I'm an American. You don't know how sad that made me to type. It's humiliating.

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[–] grue 3 points 1 week ago (1 children)

I don't know what that is, but I assume it gives you some kind of discount.

IMO, that itself is a problem: even when there are options like that and even if they do actually save you money, the fact that you have to actively seek them out and figure out how they work creates a confusopoly.

[–] nieminen 6 points 1 week ago

Yeah for sure, totally get it. It shouldn't have to be a special service. Unfortunately it's what we have though.

Anywho if you check the website, the pricing is stupid straightforward. You pay drug cost plus like 5% markup, and then shipping/handling (which handles paying the pharmacists and whatnot). I am on a drug that after insurance, was costing like $30/mo. But after I switched costplusdrugs, it's like $7 for 90 days.

They also now take insurance (they didn't used to). I haven't tried it yet, but might bring costs down even more.