My experience is that it's more like 90% of the time. My "lessons learned" is: Talk to your pharmacist and see what options they have for cash payment and discount cards like GoodRx. It takes them a couple minutes to compare to your insurance, but for me it's cutting the cost of my prescriptions by around half.
My insurance has a $10 copay, but limits me to getting 30 day supplies. Currently they are moving to require you to get refills through them by mail, which would be fine except I'm skeptical that it would cost me significantly more.
I have 3 prescriptions, which with the monthly copay would add up to $90 a quarter. Using the "GoodRx" or other "discount card", those 3 prescriptions with a 90 day supply end up costing me around $40 a quarter.
The meds for my family's recent set of illnesses were cheaper with the GoodRx than the copay, but just barely.
My insurance has a $10 copay, but limits me to getting 30 day supplies. Currently they are moving to require you to get refills through them by mail, which would be fine except I'm skeptical that it would cost me significantly more.
I have 3 prescriptions, which with the monthly copay would add up to $90 a quarter. Using the "GoodRx" or other "discount card", those 3 prescriptions with a 90 day supply end up costing me around $40 a quarter.
The meds for my family's recent set of illnesses were cheaper with the GoodRx than the copay, but just barely.