> list price, plan discount (usually 30-60% off), next what the ins comp. covers = usually 80% of discounted price, then what I pay, that is a small amount, 20%

> list price, plan discount (usually 30-60% off), next what the ins comp. covers = usually 80% of discounted price, then what I pay, that is a small amount, 20% * 60% * original price. I recently had a drug that wasn't covered by my insurance, they wanted me to use the generic. Can you please read/watch linked sources before commenting? The videos go into detail about "plan discounts." tl;dr - it is basically the same trick as the "50% off sale!" in retail.