4 ms·
I wonder if this will lead to restrictions on the use of copay coupons [1]. Insurers hate them since they break my incentive to use cheaper drugs from their fo
by ahh 9y ago
I wonder if this will lead to restrictions on the use of copay coupons [1]. Insurers hate them since they break my incentive to use cheaper drugs from their formulary, but pharmacies don't care (and probably are better off for me using them.)
Since I mostly hate my insurer and want to help them towards bankruptcy by extracting as much coverage from my fixed premium as possible, I have no objection to using these coupons if they'd help me and I felt like an expensive drug choice was better for me, though it's not come up for almost any drug I've needed.
Though I do need new epi-pens; maybe I should look for one while I still can!
[1] https://www.propublica.org/article/are-copay-coupons-actually-making-drugs-more-expensive https://www.propublica.org/article/are-copay-coupons-actuall...
- pcurve 9y agoI don't know if insurance company cares whether you use copay coupons or drugs on their formulary as much as your employer does, because they're the one ultimately footing the bill for cost of your meds. Insurance companies and benefit managers try to position them in the middle, so that they would benefit either way.
- Broken_Hippo 9y agoThat highly depends on your prescription insurance coverage and how much they have to pay compared to the generic. For example, some simply won't cover the brand name if the generic works for you. Others will let you get the brand name, but will only cover the amount they would pay for the generic. In either of these situations, the coupon wouldn't matter to the insurance company. With other plans, though, the insurer pays more with the coupon. And if yours does, you can "stick it to the man" using coupons.