Yes. My generic blood pressure meds, worth about four bucks for 90 pills (90 day supply), costs $20 at CVS with my blue cross insurance. they used to cost $5 but blue cross negotiated a better deal I guess. Now I get my pills at publix, cash no insurance, for$7 instead. Btw, CVS sells Lupin brand, a very low quality brand from India. Lupin has a reputation for dirt in their drugs and inconsistent dosage strength.
So to be sure I understand, it is okay to get drugs from India that are known to be unsafe, but it is not safe to get cheaper drugs from Mexico or Canada. FYI, however, we did some recent research and discovered that, unfortunately, some of the cheaper drugs in Mexico are counterfeit and some even contain fentanyl.
But totally agree it is a scam. Also a scam are OTC drugs. Think about it, if no prescription is needed, that is great right? Well, then it doesnāt count against your deductible either and insurance doesnāt have to pay for it. OTC marketing ploy must be funded by health insurers.
But yeah it is worth checking a few pharmacies and seeing what the cash price would be. ONe problem though that you might run into: if you donāt get the drugs thru insurance then they donāt know you take them. There is a big brother aspect that MIGHT be a problem depending on your situation. Part of the problem is that insurance companies are run by stupid people and the folks who write the algorithms are also stupid.
Here is an example. CVS would push refills at me every 45 to 60 days for 90 day supply. Sometimes I would refill when prompted. Eventually I end up with a surplus of pills, a whole bottle, and then skip a refill and go 4 months instead of 3 between refills. Then I get a nastigram from insurance: we see you didnāt refill your prescription, is there a problem with the medicine, are you not taking them, or what? Well, they see that I missed one refill according to schedule but are not smart enough to look back a whole year and see that, if you add up total pills bought, it comes out right.
My point is that if you rely on health insurer, who is in charge of medical decisions rather than your doctor, then they might get all mean and spiteful if they think you are not meeting their expectations and are not being obedient as far as meds. That might be a reason to keep the meds on insurance: so they know you are taking them and are thus placated. NOt sure if this is a real concern or even makes sense.