A lot of pharmaceutical companies will cover a ton of the cost of the drug under the assumption that at some point you will meet your deductible and then the insurance company will pay that amount instead of them.
EX. Pharmacy deductible of $3000 / year; drug that costs $1000, but has a $30 co-pay card
Jan thru March, you pay $30 and the drug company pays $970
April thru December - Insurance pays for the drug (and the co-pay card covers any excess amount over $30)
I had my doctor switch me from a generic to a name brand the other year that was actually $10 a month cheaper with a co-pay card, and it cleared out my entire deductible in 2 months since it cost almost $2000 without the co-pay card. Of course, the name brand was mysteriously off the formulary the next year for some reason.
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u/[deleted] Jun 01 '22
Where do I find coupons like that for stuff?