Single Ma: [on hold]
Nurse: Yes, we have a sample. Will that solve the problem for you?
Single Ma: Of course.
Nurse: We close at 2 p.m. today. Stop by to pick it up when you can.
Single Ma: Great, thanks!
OOPC: $50 –> $0
Second Rx: I called BG’s doctor and had a similar conversation. They didn’t offer a sample, but they agreed that one of the alternatives would work just fine -- reducing my out of pocket costs from $50 to $10. The nurse called in the alternative Rx and I was all set.
While waiting for the prescription to be filled, I browsed on my insurance provider’s website. I discovered that a 30 day supply would cost $10 but a 90 day supply would cost $20. Hmm... another $10 savings. So I called the pharmacy to make sure they received the alternative Rx and asked if they could fill a 90 day supply. I was told the doctor would have to authorize it because some meds have to be restricted. Otherwise, they could only dispense a 30 day supply.
You know what I did, right? I called BG’s doctor back! LOL I asked them to call the pharmacy again and specify a 90 supply with 3 refills vs. a 30 day supply with 11 refills. She said no problem, and within minutes, it was done. Great!
OOPC: $150 for 90 day supply ($50/30 days) –> $20 for 90 day supply
This experience taught me a very important lesson. In order to save money on Rx, I should:
- Understand the Rx
- Understand the details of my insurance coverage
- Ask for FREE samples first
- If #3 is N/A, ask for the generic alternative
- Never be afraid to ask the doctor to explain their med choices
One of my girlfriends thought I was out of my mind to question WHY my doctor prescribed a certain med, then had the nerve to ask for an alternative. LOL I told her these doctors are “practicing” but I’m not a guinea pig. Besides, this is MY body, MY money, and ultimately MY decision - so I have a right to know, ask questions, and understand. And you do too!
At the end of the day, we received the appropriate meds and saved $180.
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