No they are not. You can just take your prescription elsewhere (e.g. to another Walgreens or whatever). For example, say you lose a pack of pills. If you wan

No they are not. You can just take your prescription elsewhere (e.g. to another Walgreens or whatever). For example, say you lose a pack of pills. If you want a refill you then have to pay for it out of pocket since the insurance won't pay. If the pharmacy charges an inflated cash price to an insurance customer vs a regular customer (without a coupon or something) then that would be a major lawsuit waiting to happen. You can use a drug manufacturers coupon too (e.g. they give a PBM code).