re: What exactly am I getting out of my health insurance

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My insurance has paid off in general, but I did pay $25 a piece for three Rx that would have been $20 a piece without insurance.. Found that out after the fact. From what I understand many common medications are cheaper if you don't go through insurance.

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That is why it pays to shop around on recurring prescriptions. I have a prescription for Metformin, and at places like CVS and Walgreens, they were hitting me up for the usual 7 or 10 dollar copays. I switched to Walmart, and my Copay went to free since it was on their 4 dollar a month or 10 dollars for a 90 day supply medication list. I know of Walmart and Publix doing these deals, there may be others. I am also trying another drug that costs 1,000 for a 30 day supply, but I am still in the sample phase. My BCBS copay would be 25 at Walmart for the same drug.