Insurance & Out-of-Pocket Costs
Why Your Prescription Costs More Than It Should: Decoding Insurance Tiers, Copays, and Pharmacy Benefit Managers
Most Americans assume their insurance automatically delivers the best possible price on prescriptions — but the reality is far more complicated. From opaque pharmacy benefit manager contracts to formulary restrictions that favor higher-cost drugs, the U.S. prescription pricing system contains layers of hidden costs that can be challenged, negotiated, and in many cases, significantly reduced.