Cigna-Express Scripts by InsideRx Strategy Modification, Mark Cuban Cost Plus Insulin Trial

Two years ago, I made a very well-informed decision to simply bypass our own healthcare insurance for a number of prescriptions used in my household because we were paying out-of-pocket until the deductible was satisfied anyway (which was about half the year), and our new insurance carrier Aetna and its PBM Caremark was obviously ripping us off by a fairly wide margin. In fact, the financial gamesmanship (or as the PBM ' s call it, " Price Arbitrage " ) was so overt, that it would have been financially foolish to stick with insurance under the presumption that it contributed toward satisfying the deductible (a falsehood; they only credit people for the PBM-negotiated price, not the artificially-inflated cash prices patients are actually charged). Bypassing our insurance saved us 56%, 70%, 75%, and 82% on a number of drugs (most of which were generics anyway, and generics which are supposed to be inexpensive, but Caremark was overcharging us by a wide margin on every one of those drugs).Initially, my tactic was to find discount coupons powered by PBM ' s who offered lower prices, but it was almost always from a different PBM than the one used by our own insurance company. That worked reliably for several years. But by 2022, we started to experience some random, unexplained (and illogical) price increases on generic drugs. Then, I knew I was being gamed, so I widened my search, and was successful although it took even more work.First, a random price-increase happened with the g...
Source: Scott's Web Log - Category: Endocrinology Tags: 2022 CIGNA coupon-generating websites apps coupons Express Scripts InsideRx PBM Source Type: blogs