You'd think it was a matter of national security with how hard it is to find this stuff out. Question: Does anyone here have United, and if so, do they cover Enbrel and with how many hoops to jump through? Situation: I am considering changing jobs, and the new job offers health coverage with United HealthCare. OK, I've just spent the last 15 minutes trapped in voice menu hell and speaking with 3 different people, none of whom could help me. To find one, search the name of the medication on and scroll down to “Ways to Save” to see if there is a copay card available.** Originally posted by lewislibrarian ** GoodRx has the largest database of copay cards, which includes more than 700 medications. How do I know if a copay card is available for my medication? Patients sometimes resort to calling manufacturers and asking for direct reimbursement. Some refuse to count them toward deductibles or out-of-pocket maximums in an effort to shift the costs back onto patients.Ĭopay cards don’t always provide enough help, either. Pharmacy benefit managers and insurers have started to combat the use of copay cards. And, they point out, that manufacturers add costs to the healthcare system by shielding patients from expenses and raising prices for insurers. They say the cards encourage people to stick to costly brand-name medications instead of taking cheaper generic versions. Are there concerns about copay cards?ĭespite the savings, critics argue that copay cards actually increase costs in the long run. You can always call the program if you have specific questions. When signing up for a copay card, be sure to carefully read the terms and conditions. In 2017, California banned the use of coupons to purchase brand-name medications that have generic equivalents. There are also sometimes restrictions on the maximum number of times you can use the card.ĭepending on where you live, there may also be laws that restrict the use of certain copay cards. It varies by medication, but there is typically a monthly or annual maximum. This is due to anti-kickback statutes that prohibit manufacturers from inducing the purchase of an item for which someone may be reimbursed by the federal government.įor many cards, there is also an expiration date and a savings maximum. You cannot have government health insurance, such as Medicare or Medicaid. You must have commercial or private insurance. Are there any requirements or restrictions?įor most copay cards, there are two main requirements: Once you’re enrolled, the manufacturer will usually provide a card to print out and bring with you to the pharmacy. To sign up, register online or call the program to enroll. You can also ask your healthcare provider or pharmacist about copay cards for your medications. How do I get a copay card?Ĭopay cards are usually accessed through the medication or manufacturer websites. If your insurer doesn’t cover the medication you’re taking, the manufacturer will simply cover all or some of your costs. When you use one, your health insurance pays some of the cost and then the manufacturer pays part or all of the cost that you’re responsible for through your copay or coinsurance. The idea behind copay cards is to reduce the total out-of-pocket expense for the patient. And you can get Humalog, a popular insulin brand-name medication, for as little as $35 per prescription through the Lilly Diabetes Solution Center.

For example, you can get the brand-name arthritis medication Humira for as little as $5 per month through the manufacturer AbbVie’s savings card. They help people afford expensive prescription medications by lowering their out-of-pocket costs.Ĭopay coupons are typically for expensive, brand-name medications that don’t have a generic equivalent. They’re also called copay savings programs, copay coupons, and copay assistance cards.

Manufacturer copay cards are a way to save on medications. Here’s everything you need to know about manufacturer copay cards. But they have also been met with criticism, as some say that they end up increasing total costs. These savings programs, which come directly from medication manufacturers, can help patients who are struggling to afford expensive brand-name medications. When insurance isn’t enough, many people turn to manufacturer copay cards to help offset some of the costs. As prescription medication prices continue to rise, it’s no surprise that patients are looking for ways to save.

Enbrel copay card and kaiser insurance