“Yes, ma’am, Mrs. Jones, your prescription is ready. That’ll be $60.” Mrs. Jones pulls out her wallet, pays for her medication, and walks out of the pharmacy feeling pretty good about her life.
What she didn’t realize, she walked right past a large sign at the pharmacy listing over 50 maintenance medications for only $9 per month without using insurance (her specific medication being on that list).
Now, you may be thinking, “Wait a minute, shouldn’t the pharmacist have informed Mrs. Jones of the savings she could have received?” Sure, but that is asking a lot of someone, and in today’s world, there tends to be very few people who are willing to go the extra mile (hell, even just the extra STEP) above the minimum. Therefore, we cannot rely on other people to save us money. We have to take control by being aware of the things that can help us lower our healthcare spend! “You don’t know what you don’t know” …Well, listen up! You are about to know and will no longer have an excuse!
In case you don’t remember from my first blog, let me remind you something about “insurance.” Insurance was solely designed to protect you from financial devastation so if something happened to you, that protection would make you whole again.
So let’s go back to Mrs. Jones at the pharmacy. Let’s pretend she read this blog and was on the lookout for signs in the pharmacy to help her save money.
As she walks up to the counter to pick up her medication, she sees a sign that contains over 50 medications for only $9 a month.
“Hot damn, my mediation is on that list! Excuse me, sir, before you run my insurance, I see that my medication is listed on that sign over there for only $9/month. Am I able to take advantage of that without using my insurance?” The gentlemen behind the counter looks at her medication in his hand, types something in his computer and says, “Oh, yes, Mrs. Jones, it sure can! That’ll be $9 for your medication!” – MIND BLOWN! #yourewelcome
Y’all, this story sounds too good to be true, right? Well, it isn’t…this is real life! You have more power to control the cost of healthcare than you realize; you just have to actually do something different than what you have always done! Change comes from doing something different. If there are ways for you to get your medication at a lower cost than what you pay by using your insurance, why wouldn’t you?
Here are some other things you can do:
- Ask the pharmacist if they have their own savings card (a lot of them do)
- Ask what the cash price is (without using insurance)
- Check out the manufacture website of the medication before you go (or while you wait in line…..you are already on your phone anyway, so do something useful!)
- Check out some websites – (a lot of them have apps to download). Here are two that I have found extremely helpful:
We can’t change everything in our healthcare system overnight or even over a year, but NOTHING is ever going to change if we don’t change how WE use it! Ask some questions, get involved, take control because IT JUST AIN’T THAT DANG COMPLICATED!
#insurance #HighpointInsurance #Itaintthatcomplicated #drugscostwhat #askaquestion #lookitup #takecontrol
Erika Ensign Sr. Risk Architect – Benefits