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How to Stop Overpaying for Prescriptions: Cash Pricing, Coupons, and Smarter Pharmacy Shopping

Dr. Angela explains why prescription costs can spike even with insurance, emphasizing that coverage depends on insurer formularies shaped by contracts among insurers, pharmacy benefit managers, and manufacturers, which can change midyear and trigger denials, step therapy, and prior authorizations. She offers practical strategies to lower costs: start with manufacturer websites for brand-name drugs to find savings cards, copay assistance, or direct-to-consumer cash programs (not typically for Medicare/Medicaid); use generics when possible and compare transparent cash options like Mark Cuban’s Cost Plus Drugs and GoodRx; ask direct primary care practices about at-cost dispensing; price-shop across pharmacies and ask pharmacists for the best cash price; and request a 90-day supply when stable, noting stricter rules for controlled medications but potential cash-pay options.

For a list of websites for medication discounts, see the companion blog post: https://www.dpcwestmi.com/blog/why-your-medication-costs-so-much----and-7-ways-to-save-money-on-prescriptions

00:00 Stop Overpaying Intro
01:30 Why Insurance Denies
02:54 Prior Auth Chaos
03:45 Pricing Disclaimer
04:15 Manufacturer Savings
05:54 Generics And Cash
07:21 Direct Primary Care
07:47 Compare Pharmacy Prices
09:30 Ask For 90 Days
11:27 Final Checklist

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