Novolog

Let’s say Novolog costs $270 cash price. For this example, let’s assume Novolog to be a covered benefit by your policy with a 20% copay & you have no prescription deductible to meet.

Lets see how the co-pay card helps:

Terms: Card will pay up to $100 toward your co-pay. You are required to pay a minimum co-pay of $25. This card only worx if Novolog is covered by your insurance plan.

Co-Pay: For a 30 day supply of Novolog you would pay $54 (20% x $270), however by using the co-pay card you would pay only $25.

Savings: $29 ($54 co-pay-$25 discount). You have the additional advantage of having the entire $54 regular co-pay that will go toward meeting your deductible as if you had paid it. Of course insurance will pay the remaining 80% of the cost of the drug or $216

Ozempic

Let’s say Ozempic costs $700 cash price. Assume it is covered on your insurance plan, however you have a $1400 pharmacy deductible to meet.

Terms: Card will pay entire cost of medication even if not on your formulary.

Co-Pay: Your co-pay for a 30 day supply of Ozempic is $0, while $700 will go toward meeting your deductible. You will meet your deductible in 2 months and pay nothing in this example.

Trulicity

Lets say Trulicity costs $750 cash price. Assume it is not covered by your prescription benefit.

Terms: This card will give a cash discount for medications not covered by insurance of up to $150. Your cost at the pharmacy will be $600/month ($750-$150).

In this example, because there no insurance coverage, the card helps very little. You would only pay $25 if it was covered and your co-pay was less than $175. As you can see the terms, insurance & cost of the medication contribute to how much you will pay at the pharmacy counter.

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