Quote:
Originally Posted by kane
Often times with prescriptions the opposite is true. You pay more if you pay with cash. Insurance companies negotiate prices with pharmacies and tell the pharmacies how much they are willing to pay for a specific drug. Say, for example, the insurance will pay $50 for a drug and you have a $10 co-pay. The pharmacy will then charge $60 for it. If you are paying cash, the pharmacy is free to charge you $80, $100, or more if they want.
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It's not really a negotiation. There's just a base price set (actual price) and then pharmacy inflated price. You can pick up a free "discount" card pretty much anywhere and achieve the same goal. Same thing with dental insurance. I had some work done last year and instead of using my actual dental insurance it came out much cheaper to use a "discount" card. If you really want to get into cost savings try first using the discount card and then send the reduced bill to your insurance company and have them reimburse you. All insurance is a racket.