Four parties? Try five! Insurance means there’s a pharmacy benefit manager in the mix as well. Sometimes those are independent companies, but often they’re owne

Four parties? Try five! Insurance means there’s a pharmacy benefit manager in the mix as well. Sometimes those are independent companies, but often they’re owned by either your insurer or your pharmacy (or some other big chain of pharmacies, e.g. CVS). That’s one more middleman and often one more conflict of interest in the mix.