So I was recently written prescription for acetaminophen-codeine to help me sleep due to a snowboarding accident. I went to pick up my prescription this morning and it wasn’t ready because the pharmacy was waiting for insurance authorization.
HERE’S THE PART I DON’T FULLY UNDERSTAND: When they initially ran the out of pocket cost without insurance it came out to about $412. With my insurance plan it costs me $15 out of pocket. When I got a coupon through good rx, it costs $10. So, what causes this massive price difference between good rx and the way the pharmacy initially ran the cost of the pills? When insurance does authorize the purchase of those pills, where does $412 come from and where does it go?
Please note: I have always considered health insurance (and most other forms of government subsidized insurance for that matter) to essentially be a scam, especially considering how it functions within the US. As far as I see it, it plays as big, if not a greater role than pharmaceutical companies in driving up the price of commercial medicine, both in terms of how much money will come out of the pockets of consumers and how much money will be poured into it through government involvement/subsidies.
Can you explain these price differences to me in a way that doesn’t support that point of view?
submitted by /u/Love-Sensitive
[link] [comments]So I was recently written prescription for acetaminophen-codeine to help me sleep due to a snowboarding accident. I went to pick up my prescription this morning and it wasn’t ready because the pharmacy was waiting for insurance authorization. HERE’S THE PART I DON’T FULLY UNDERSTAND: When they initially ran the out of pocket cost without insurance it came out to about $412. With my insurance plan it costs me $15 out of pocket. When I got a coupon through good rx, it costs $10. So, what causes this massive price difference between good rx and the way the pharmacy initially ran the cost of the pills? When insurance does authorize the purchase of those pills, where does $412 come from and where does it go? Please note: I have always considered health insurance (and most other forms of government subsidized insurance for that matter) to essentially be a scam, especially considering how it functions within the US. As far as I see it, it plays as big, if not a greater role than pharmaceutical companies in driving up the price of commercial medicine, both in terms of how much money will come out of the pockets of consumers and how much money will be poured into it through government involvement/subsidies. Can you explain these price differences to me in a way that doesn’t support that point of view? submitted by /u/Love-Sensitive [link] [comments]Read Morer/HealthInsurance