Your money-saving healthcare tip of the day

I got a rude awakening this month when I refilled my prescription allergy spray. It’s not one of Cigna’s recommended drugs, so the copay went up to $40. I do not wish to pay nearly $500 a year for the drug, but I have to have some kind of protection, what with living in the third-worst state for allergens in the country. So I went online to see what I could do.

I can get generics for no copay, but I’m a big fan of “If it’s not broke, don’t fix it.” Plus, the generics require twice as many applications.

I can get a different prescription for the normal copay. But again, I know this one works for me, and don’t want to change it until it stops working. I’ve found that I get used to allergy drugs and have to change off once that happens.

Or, I can use Cigna’s mail order service, and pay $40 for three months’ worth of the prescription, and refill it online after that.

Score.

So, people, if you have this kind of program—where it’s cheaper to mail-order a three-month supply of a drug you use every month—then I recommend you use it and save yourself the money. This will save me $27/month with my new plan, and $7/month over the previous healthcare plan’s costs. Any way you look at it, it’s a big help.

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One Response to Your money-saving healthcare tip of the day

  1. John M. says:

    Yeah, my company recently switched to a somewhat crappier pharmacy plan with higher copays and more complicated prescription procedures. My eyes popped out of my skull when I saw the bill for my share. And no raises this year either. And all travel is coach.

    But all in all, I still have a job. Thank God.

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