The past few weeks of dealing with the healthcare.gov sign ups and calculating monthly/annual costs has finally gotten to the point where it just feels so hopeless. With the silver plan having a 30% brand co-insurance rather than a flat copay, I pay 170 premiums just so I can have a $100-120 copay for Novolog and Lantus because of their insane retail prices.
I was wondering if anyone has any experience with or information to share about these Savings Cards, since I'm still waiting on insurance to kick in to try them. Specifically I printed:
Novo Nordisk's Cornerstone4Care - supposedly gives you $25 Novolog Flexpen copays (or up to $100 off) for two years 'when you start'
Sanofi /McKesson - same $25 offer as above for Lantus Solostar refills
Bayer Contour Choice / Emdeon TherapyFirst - "pay no more than $35/month"
I'm assuming if they have annual limits, you probably just re-register with a different e-mail when it expires and get a new print-out. In the mean time, you can really use them for every refill? They just seem too good to be true though. My $100+ novolog/lantus copays just magically become $25? The back of the card instructs the pharmacist to enter the policy info on the card as a 'secondary insurance' or something into the computer.
My other concern was that the way it's worded, it almost sounds like you need to physically walk in with a new paper prescription and the printed card in order for it to work? ...or can you just hand it to them when you go to pickup and pay for a refill? My doctor hasn't actually written a prescription in years... she just keeps sending in more refills for the same one electronically while I'm at my appointment and they're instantly there, so that might be a problem.
Again, this all just sounds way too good to be true, but I'm trying to stay optimistic until I try them all once because the alternative is barely affording to survive / moving back in with parents.
Any information would be greatly appreciated.