Jennifer Smith has been suffering from rosacea for as long as she can remember. She has tried many different treatments to reduce the redness it causes on her face, and has been stable for several years on a daily regimen that includes using a topical gel and taking oral antibiotics daily. Although she has been under a lot of stress lately, her daily regimen has continued to maintain her condition.
Jennifer lost her job a few months ago, and decided to try her hand at running her own business. She bought a bakery in a neighborhood in Chicago, and has been working hard to keep it running daily. She has 3 full-time employees that she provides benefits to, including health insurance. When the Affordable Care Act was passed, she was happy that this would decrease her insurance costs, as she has wanted to purchase a new industrial mixer for mixing bread dough since she bought the business. So when it came time to purchase a new insurance plan for herself and her employees, she quickly bought the cheapest one in order to save money for the mixer.
This month, Jennifer realized she needed a refill on her daily rosacea medications, and went to her local CVS Pharmacy to pick up her medications. She brought her new insurance card to the pharmacy to use for billing, and went to get a cup of coffee while she waited for her prescriptions to be filled. When she returned, she was stunned the price of her medications had increased significantly. Her 60 gram tube of metronidazole 1% gel, which she applies to her face daily, would cost $253.99, much higher than her previous $10 copay with her old insurance plan.
Her minocycline 75mg capsules also increased significantly on her new insurance, up from $10 per month to $336.99!
Jennifer decided that she needed to investigate her new insurance plan a bit further before she spent her savings on one month’s worth of her medication. She went home and called her insurance company, only to find out that her plan has a $5000 deductible, and she would have to pay the out of pocket price of her medications until her deductible was met.
She was incredibly disappointed, as the money she had been saving for the mixer barely covered her medication costs, and she would have to pay these charges monthly if she were going to continue treating her problematic rosacea. She decided to do a bit more research to see if she could find a lower cost for the two medications she takes monthly.
In her search, she came across the Prescription Discount Card from Discount Drug Network. She decided to check out the price of her medications using Discount Drug Network’s Price Finder, and she was pleasantly surprised at what she found. A 30-day supply of her minocycline would cost only $35.45 at the local CVS Pharmacy if she used the discount card! She also checked the price on her metronidazole gel, and found out that it would be much cheaper with the discount card as well, with a price of $144.38 for the 60 gram tube.
She saw that the card does not work in conjunction with insurance, and would not allow the charges to be applied to her deductible. She knew that it would be difficult for her to ever meet her deductible, as she has no other costly medical conditions that would require her to spend $5000 in one year. She kept looking around the internet for lower prices on her medications, but in the end the lowest price she could find was offered by the Discount Drug Network, using the Prescription Discount Card.
Jennifer printed out a temporary copy of the Prescription Discount Card and brought it to the pharmacy to see if it worked. The technician applied Discount Drug Network’s negotiated low pricing to her prescriptions, and the prices came out exactly as they were quoted online. She was able to get the medication right away, allowing her to continue with her rosacea treatment and get back to work at the bakery. She ended up paying $179 for a month supply of her medications, $410 less than the initial price quote!
Jennifer was disappointed that her new insurance has such a high deductible, and that it took money away from her much needed mixer, but she was very happy with the price she received by using the Prescription Discount Card! She ordered a permanent wallet-sized hard copy of the card to keep in her wallet to use again next month, as she did not see a point in using her insurance and trying to meet an impossibly high deductible. She also downloaded Discount Drug Network’s Rx Savings iPhone app, which she can use at the pharmacy counter the same way she does with the physical card.