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RIP-OFF! RIP-OFF!

Correct me if I'm wrong, but I thought a prescription co-pay was, like...OK, your script "really" costs $250 bucks but your co-pay is $5 or $10 or $20 or whatever, and that's what you PAY. The insurance company picks up the rest. You pay PREMIUMS for this, right?

My whole-fricking-entire-adult life I've had co-pays. I know what co-pays ARE. Or at least I thought I did.

New insurance as of July 1. I go to pick up scripts and this is what I get:

Drug #1 = $28 co-pay.

Drug # 2 = $68 co-pay.

Drug # 3 = $135 co-pay.

Needless to say, I did NOT get Drug # 3. I need it, but I can live without for now.

Drug # 1 was Hubby's, who BETTER START GETTING IT FILLED AT THE V.A. FOR $7 or whatever they charge nowadays.

Drug # 2 is my Zoloft. OK, people, you seriously, seriously do NOT want me to stop taking this. I keep thinking of the scene in SAY THE WORD when Schmule tells Shawna he'll have a seizure and swallow his tongue if he misses a dose of his antidepressants. Yeah, I made that up, but still... I bought the stuff, but I'm not happy about it. A local grocery store has $4 scripts, but Zoloft is not on their list which means:

A. I suck it up and shell out $68 bucks a month for it, or--

B. Switch to something else. WHICH. VERY. LIKELY. MAY. NOT. WORK. AS. WELL.

As for Drug # 3...I'm in search of a $4 substitute,

Another question: How can a grocery store charge only $4 when a pharmacy charges several hundred?

AND WHAT KIND OF &%#@  INSURANCE IS THIS?

Rant over. Thank you.

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Comments

( 17 comments — Leave a comment )
christinenorris
Jul. 20th, 2010 11:23 pm (UTC)
Because those $4 drugs are probably generics. Which work exactly the same way as name brands, except they don't have glaxo-smith kline or whatever on them.

See the way it works is that some drug company spends 20 years R&D'ing a drug. They spend millions and go through the rigorous FDA testing. In return, they get a patent, which lasts 10 years, maybe? No one else can make this medicine And in that time, the drug company can charge YOU out the wazoo for it, b/c there is no substitute. They have 10 years to make back their money + turn a profit. After that, the patent runs out and it's a free-for-all.

Which is why there aren't generics of some drugs - their not old enough yet. I always try to get generics when I can.
onegrapeshy
Jul. 20th, 2010 11:39 pm (UTC)
These are all generics, except for Drug # 3. Why can't the DRUGSTORE charge $4? Must be kickbacks involved.
christinenorris
Jul. 21st, 2010 12:53 am (UTC)
Probably b/c those chains buy in huge quantities. Just a guess. That's how Wal-Mart and Target get things cheaper in the first place.

And Wal-Mart probably haggles (and maybe a little bullying is involved) to buy things at those discounts.

*shrug*
kbaccellia
Jul. 20th, 2010 11:42 pm (UTC)
I hate this too. My mother stopped taking a diabetic drug as her insurance wouldn't pay for it. It was over $400 a month!

I ended up bugging one of my doctor to get me a prescription for the $4 Synthyroid meds only to find out my body had problems with it. So it's back to the $25 a month. At least this med is cheap.

My son's ADHD meds are $35 a month. The other one we tried--which thankfully didn't work--wasn't covered and was almost $100 a month! Crazy.
onegrapeshy
Jul. 22nd, 2010 02:39 pm (UTC)
My daughter's (who is uninsured) ADD meds in ANY way, shape, or form aren't available at the $4 grocery store. :(
lalam
Jul. 21st, 2010 12:30 am (UTC)
You can thank the pharmaceuticals for the ginormous cost of prescription drugs. If they offer me a generic, I take it. Unfortunately my Lexapro doesn't have a generic so I'm stuck paying $30/mo. Which of course is a rip off.

onegrapeshy
Jul. 22nd, 2010 02:40 pm (UTC)
Yeah, I take generic anything, pretty much. Though I may have to switch to Paxil because that's what's offered at the $4 price. I'll need triple doses of it, regardless, lol.
ophelialaughs
Jul. 21st, 2010 01:31 am (UTC)
I hate WalMart, but I get prescriptions filled there because I figure if anyone deserves to be a victim of Wally's corporate policies, it's the pharmaceutical companies.
onegrapeshy
Jul. 22nd, 2010 02:41 pm (UTC)
I like Wallyworld because I can *afford* it.
fandoria
Jul. 21st, 2010 01:52 am (UTC)
Gah, that sounds like our rx insurance. copays are anywhere between 5-150 bucks, depending on the meds. T's rx's for his diabetes, if we get them month-month from the pharmacy, cost us $800 bucks a month. We get the 3-month supply shipped from the insurance company and it's only $500 bucks for every 3 months. Still horribly expensive, but better than the first option.
onegrapeshy
Jul. 22nd, 2010 02:45 pm (UTC)
Ugh!!!

Don't get me started, lol.
(Deleted comment)
onegrapeshy
Jul. 22nd, 2010 02:46 pm (UTC)
Yeah, and that's one of the nicer words I can think of right now.

Wait till my serotonin levels drop, LOL.
akabins
Jul. 21st, 2010 01:57 pm (UTC)
I miss having insurance. I used to pay $6 for a month of medication. My current monthly bill goes something like:

Drug #1: $50
Drug #2: $20
Drug #3: $75

#3 is new and has no generic yet. Thankfully my doctor is awesome and gave me a month of free samples because spending over $150 a month on pills that give me minimal relief is way over my poor struggling writer budget. (And I live in Canada, where drugs are supposed to be cheaper...)

The pharmaceutical world sucks, pretty much.
onegrapeshy
Jul. 22nd, 2010 02:48 pm (UTC)
What slays me is some of these drugs have been around for years and years and YEARS and I'm sure they've recouped their development costs by now. STICK IT TO THE CONSUMER AS LONG AS POSSIBLE!
warriorofworry
Jul. 21st, 2010 11:35 pm (UTC)
Will you still love me if I say that it could be much much worse? You could be uninsured, like me. (Although I suspect, don't quote me, that the insurance companies are charged a huge amount for drugs, then they charge you a huge co-pay, and actually only pay a little bit themselves. Could be wrong, but would you put money on a bet that there isn't something way off about how this - doesn't - work?)
onegrapeshy
Jul. 22nd, 2010 02:55 pm (UTC)
I have no idea how *any* of it works. Other than I'm getting SCREWED with this new insurance.

Yeah, I still love you, of course! :) It's just a SHOCK to me because, as someone who has NEVER been without health insurance ev-ah, I'm used to paying these tiny amounts, with some exceptions. I admit I've been spoiled. But I'm still mad as hell because, simply, I can NOT afford to pay over $130 a month for ONE prescription which means I'll have to do without it unless there's a cheap substitiute. It's not a life-or-death thing, but I do need it. I also need a CAR very soon and that's already going to suck out a chunk of my monthly income.
fuguemacabre
Jul. 26th, 2010 07:12 pm (UTC)
My doctor gave me a scrip for Celebrex. I went to the drug store and they said the insurance would not cover it. Know what the insurance company told me when I called? Take Advil. Advil!! Like I've not been taking it for the past three years. I am now getting it from Canada for $48, where my usual drug store wanted over $200. I asked my hubby if it wouldn't be better if we just moved to Canada.
( 17 comments — Leave a comment )

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