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How Drug Pricing Works

Normal: A manufacturer makes a drug. They sell it to a wholesaler. The wholesaler sells it to a pharmacy. The pharmacy sells it to you. Each step adds a markup. Your insurance negotiates a price — but the negotiated price isn't always the lowest.

Broken: Pharmacy Benefit Managers (PBMs) negotiate prices in secret. The same pill can cost $5 at one pharmacy and $300 at another. Generic drugs that cost pennies to manufacture get marked up 1,000%. Coupons and discount cards create the illusion of savings while hiding the actual cost.

Fix: Ask your pharmacist: "What would this cost if I paid cash instead of using insurance?" Compare prices across pharmacies. Use Cost Plus Drugs for transparent pricing (manufacturer cost + 15% + $5). Check NeedyMeds.org for patient assistance programs. Ask your doctor: "Is there a generic for this?"

Other Ways to Save

Community Health Centers — sliding scale fees, including prescriptions

NeedyMeds — patient assistance programs, discount drug cards

Medicare Plan Compare — if you're on Medicare, compare Part D plans by your drugs

This tool provides general information, not legal, medical, or financial advice. Consult a professional for your specific situation. This tool does not collect or store identifying data. Esta herramienta proporciona información general, no asesoramiento legal, médico o financiero. Consulta a un profesional para tu situación específica. Esta herramienta no recopila ni almacena datos identificativos.