Medical insurance woes - Page 2 - Mothering Forums

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#31 of 35 Old 10-02-2012, 09:57 PM
 
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What does she have that she's repeatedly being prescribed antibiotics for?


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#32 of 35 Old 10-03-2012, 06:30 AM - Thread Starter
 
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No strep and strep. The first time she was prescribed for a yet undiagnosed strep. The report was negative.

 

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Originally Posted by phathui5 View Post

What does she have that she's repeatedly being prescribed antibiotics for?


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#33 of 35 Old 10-03-2012, 07:40 PM
 
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Originally Posted by anj_rn View Post

Actually, so pharmacies (and doctors) have a contract with the insurance company to charge a copay regardless of the price of the medication.  It is in the contract along with a set price for each medication.  It protects the insurance company for the duration of the contract (so if the contract says that the ins company will pay $50 for Zoloft, and the patient will pay $30, the pharmacy gets $80 for zoloft no matter what they pay for it ($60 or $120).  The extra money from the copays when there are overages cover the pharmacy when there is a deficit on another med.

 

Some pharmacists will run it without your insurance, but many will not due to the contract they sign.  I have a list of $5 generics from Target, so I check the meds before I take them to the pharmacy to decide where I go.  I use Target for no insurance purchases and CVS for using the insurance.

 

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Here is one for Target.  Here is one for Walmart.  Make sure you look at the supply amount to get an accurate picture of what you will pay.  For example, if your script is for ACYCLOVIR 200 MG, 90 caps, you're going to pay $10. 

 

This is so confusing to me for some reason. It's never occurred to me to shop around for different prescription rates. I need a tutorial for healthcare I think...

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#34 of 35 Old 10-05-2012, 07:48 PM
 
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Haven't read all the posts but

 

A: Some stores have better prices, and/or "membership" reductions. Shop around, and ask what kind of benefits your local drugs store may have if you get a points card or something similar from them. Also, always ask your doctor if the generic will work for you, and if so, get that prescription.

 

B: If you find somewhere that you can get medicines cheaper, you don't have to lie. Just tell them you'll be paying out of pocket. (I would ask the price first, though, to make sure it is cheaper to pay cash than to pay a co-pay)

 

We don't have a prescription card. so on the rare occasions that we need prescription meds (usually antibiotics or prednisone), I can go to Giant Eagle and get them for free (certain abx) or under $10 with my members card.

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#35 of 35 Old 10-06-2012, 08:28 AM - Thread Starter
 
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Originally Posted by cappuccinosmom View Post

Haven't read all the posts but

 

A: Some stores have better prices, and/or "membership" reductions. Shop around, and ask what kind of benefits your local drugs store may have if you get a points card or something similar from them. Also, always ask your doctor if the generic will work for you, and if so, get that prescription.

 

B: If you find somewhere that you can get medicines cheaper, you don't have to lie. Just tell them you'll be paying out of pocket. (I would ask the price first, though, to make sure it is cheaper to pay cash than to pay a co-pay)

 

We don't have a prescription card. so on the rare occasions that we need prescription meds (usually antibiotics or prednisone), I can go to Giant Eagle and get them for free (certain abx) or under $10 with my members card.

What is a prescription card?


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