When you drop off your prescription, you might not approach the confessional-like window to consult the pharmacist, but you should; it could save you money. Pharmacists are like white-coated warriors fighting for your financial well-being as well as your health, and getting to know them better equips them to advocate for you. "Know your pharmacist's name and have them know your name," said Cynthia Feldman of Sweetgrass Pharmacy in Mount Pleasant, who holds a doctorate in Pharmacy.
HERE'S HOW PHARMACISTS CAN HELP
WHEN THE PRESCRIPTION IS EXPENSIVE AND THERE MIGHT BE AN EQUIVALENT MEDICINE THAT WON'T EMPTY YOUR POCKETS.
"What the prescription says is what needs to be dispensed," said Chad Straughan of Tidewater Pharmacy in Mount Pleasant. "If there's a generic equivalent and the doctor signs that substitutions are available, we can switch. There are times when you take something like an eyedrop or a dermatologic solution that has a premium price, and we'll call the patient even before they come into the pharmacy and tell them we're glad to call the physician and see if there's an appropriate substitute. A lot of people are on a budget, and they can't just drop $200 on an eyedrop that's going to last 10 days."
"We had one yesterday," Feldman said. "A patient came in with a cream from a dermatologist. I told the patient the price was $1,500 and that I was happy to reach out to the physician. I called and worked with the doctor and insurance company. The first drug had a $500 co-pay. The second had a $45 co-pay. It was much more reasonable. The only difference in the drugs was the first had to be applied once daily and the second twice daily. The patient was happy to apply it an extra time a day to save that kind of money."
WHEN YOUR INSURANCE SENDS YOU TO THE "BIG BOX" PHARMACY.
Your insurance may say it will only pay for your meds if you go to one of the "big guys" in the pharmacy business. Not so, said Straughan and Feldman.
"It's the most frustrating piece," Straughan pointed out. "These companies can put a block on other pharmacies and say 'You have to use my pharmacy.' But there are some ways around this. Call your plan and say, 'I don't want to use whatever big box pharmacy.' Oftentimes, they will remove the block and let you use the pharmacy of your choice. Of course, they don't want to tell you that. It's corporate America greed."
Feldman said South Carolina is a "willing provider" state, which means that if a pharmacy is willing to accept your insurance, your insurance has to allow you to fill your prescription there. But she agreed that most of the larger insurance companies won't tell you that.
WHEN YOUR INSURANCE TELLS YOU TO USE ONLY THEM FOR PRESCRIPTIONS.
Often, Feldman said, it can be cheaper just to pay for your prescriptions. The insurance company sets a co-pay for prescriptions, and that's what you'll pay, even if purchasing the medication directly would be cheaper.
"As an independent pharmacy, we know what we are paying for our medications. Unfortunately, in the big chains, the prices have been loaded in at the corporate level so the pharmacy has no room to budge on pricing," Straughan said. "We know what our margins are, and we can see all the angles, whether paying cash or if an insurance co-pay is going to save you more. You need to shop around – you could be paying $150 for something that should only cost you $20."
WHEN YOUR INSURANCE ENCOURAGES YOU TO GET THE 90-DAY SUPPLY.
You don't always need 90 days of medication.
"There's a movement to get people to fill 90 days, and, a lot of times, 90 days may not be appropriate," Straughan pointed out. "What if you're doing a dosage titration or trying one drug that's not working, and you're stuck with the extra 60 days?"
Both Feldman and Straughan emphasized that they work for the patient and not for the prescribers or insurance companies.
"We work for the patient, 100 percent," Straughan commented. "We are the liaison between the physician who sent them there and the patient. We are easily accessible for extra questions, while a lot of time the physicians are not."