Quick question: do you hand your insurance card to the pharmacist every time you fill a prescription?

Most people do. It feels like the obvious move. You're paying for insurance, so you should use it, right?

Not always.

Here's what most people don't realize: for dozens of common generics, the cash price is actually lower than your insurance copay. Sometimes dramatically lower.

A few examples we see constantly:

• Metformin (diabetes): insurance copay $25, cash price as low as $4
• Lisinopril (blood pressure): insurance copay $20, cash price as low as $3
• Amoxicillin (antibiotic): insurance copay $15, cash price as low as $4

Multiply that across 2 or 3 medications and you're looking at $100 to $200 per month in unnecessary spending.

The fix is simple. Before you fill, ask the pharmacist: "What's the cash price without insurance?" Then compare. Pick whichever is lower.

We wrote a full breakdown of when insurance beats cash (and when it doesn't) with a decision framework you can use at the counter.

Read: Insurance vs. Cash Price Guide

Tomorrow: how to get your prescriptions for literally $0. No joke.

Talk soon,
The RxGrab Team

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