Posted 12/21/2017 8:15 AM (GMT -6)
USA health insurance varies so much, that there is no uniform answer. Years ago it used to be quite simple, generics were $10 copays, brand names $20. However, lately there are deductibles: insurance doesn't pay for prescriptions until you've paid a fixed amount ($1,000.00, $3,000.00 or more) out-of-pocket for medicines. Or in the name of cost-sharing, patients must pay a percentage of the list cost for the medication when it's non-preferred and/or brandnamed. When you're talking a medication that's $1,200.00-1,400.00 for a 30-day supply, a percentage of that cost on a reoccurring basis can be a budget-killer (a 50% copay would be $600.00 a month or $7,200.00 a year).
I have to pay a percentage until I reach the deductible (which happens pretty darn fast), and then the prescription is free for the remainder of the year. Can't remember the percentage or deductible off of the top of my head. It was sizable, like $400-something dollars a 30-day prescription fill for Lialda.