{"id":8208,"date":"2024-06-21T09:00:29","date_gmt":"2024-06-21T09:00:29","guid":{"rendered":"http:\/\/medexperts.pro\/?p=8208"},"modified":"2024-06-21T09:28:47","modified_gmt":"2024-06-21T09:28:47","slug":"what-to-do-if-youre-overpaying-for-prescriptions","status":"publish","type":"post","link":"http:\/\/medexperts.pro\/?p=8208","title":{"rendered":"What to Do if You\u2019re Overpaying for Prescriptions"},"content":{"rendered":"<div><\/div>\n<p id=\"article-summary\" class=\"css-79rysd e1wiw3jv0\">Here\u2019s what to know about your pharmacy benefit manager and how to find out if you are being overcharged for medications.<\/p>\n<section class=\"meteredContent css-1r7ky0e\">\n<div class=\"css-s99gbd StoryBodyCompanionColumn\">\n<div class=\"css-53u6y8\">\n<p class=\"css-at9mc1 evys1bk0\">If you\u2019ve ever had trouble getting a prescription drug, chances are you\u2019ve run into a pharmacy benefit manager.<\/p>\n<p class=\"css-at9mc1 evys1bk0\">These companies, known as P.B.M.s, play a crucial but often hidden role in deciding which drugs you can get and how much you will personally have to pay. They are middlemen in the maddeningly complex American health care system, working on behalf of your employer or government insurance programs like Medicare, which cover most of the costs of prescription drugs.<\/p>\n<p class=\"css-at9mc1 evys1bk0\">The job of the P.B.M. is to save money on your medications. But <a class=\"css-yywogo\" href=\"http:\/\/www.nytimes.com\/2024\/06\/21\/business\/prescription-drug-prices-pbm.html\" title>The New York Times found<\/a> that the three biggest P.B.M.s are often making you pay more than you should.<\/p>\n<\/div>\n<\/div>\n<div><\/div>\n<div class=\"css-s99gbd StoryBodyCompanionColumn\">\n<div class=\"css-53u6y8\">\n<p class=\"css-at9mc1 evys1bk0\">Here\u2019s what to know about your P.B.M. and how to find out if you are being overcharged.<\/p>\n<\/div>\n<\/div>\n<div>\n<div data-testid=\"lazy-loader\"><\/div>\n<\/div>\n<div class=\"css-s99gbd StoryBodyCompanionColumn\">\n<div class=\"css-53u6y8\">\n<h2 class=\"css-13o6u42 eoo0vm40\" id=\"link-46a02252\">How do I know which P.B.M. I have?<\/h2>\n<p class=\"css-at9mc1 evys1bk0\">Most Americans rely on one of the big three P.B.M.s: CVS Caremark, Express Scripts or Optum Rx. Even if you have a smaller P.B.M. like Prime Therapeutics, you may be affected by the business practices of the three giants. (That\u2019s because many smaller P.B.M.s delegate some of their dealings with drug companies and pharmacies to their larger competitors.)<\/p>\n<p class=\"css-at9mc1 evys1bk0\">This is different from the health insurance that covers your doctors\u2019 visits or a hospital stay. While you can typically pick your health plan during your employer\u2019s open enrollment period every year, your P.B.M. is picked for you.<\/p>\n<div class=\"css-1336jj\">\n<div class=\"css-121kum4\">\n<div class=\"css-171d1bw\"><\/div>\n<div class=\"css-asuuk5\">\n<div class=\"css-7axq9l\" data-testid=\"optimistic-truncator-noscript\">\n<div data-testid=\"optimistic-truncator-noscript-message\" class=\"css-6yo1no\">\n<p class=\"css-3kpklk\">We are having trouble retrieving the article content.<\/p>\n<p class=\"css-3kpklk\">Please enable JavaScript in your browser settings.<\/p>\n<\/div>\n<\/div>\n<div class=\"css-1dv1kvn\" id=\"optimistic-truncator-a11y\">\n<hr \/>\n<p>Thank you for your patience while we verify access. If you are in Reader mode please exit and\u00a0<a href=\"https:\/\/myaccount.nytimes.com\/auth\/login?response_type=cookie&amp;client_id=vi&amp;redirect_uri=https%3A%2F%2Fwww.nytimes.com%2F2024%2F06%2F21%2Fbusiness%2Fprescriptions-overpaying-pbm.html&amp;asset=opttrunc\">log into<\/a>\u00a0your Times account, or\u00a0<a href=\"https:\/\/www.nytimes.com\/subscription?campaignId=89WYR&amp;redirect_uri=https%3A%2F%2Fwww.nytimes.com%2F2024%2F06%2F21%2Fbusiness%2Fprescriptions-overpaying-pbm.html\">subscribe<\/a>\u00a0for all of The Times.<\/p>\n<hr \/>\n<\/div>\n<div class=\"css-1g71tqy\">\n<div data-testid=\"optimistic-truncator-message\" class=\"css-6yo1no\">\n<p class=\"css-3kpklk\">Thank you for your patience while we verify access.<\/p>\n<p class=\"css-3kpklk\">Already a subscriber?\u00a0<a data-testid=\"log-in-link\" class=\"css-z5ryv4\" href=\"https:\/\/myaccount.nytimes.com\/auth\/login?response_type=cookie&amp;client_id=vi&amp;redirect_uri=https%3A%2F%2Fwww.nytimes.com%2F2024%2F06%2F21%2Fbusiness%2Fprescriptions-overpaying-pbm.html&amp;asset=opttrunc\">Log in<\/a>.<\/p>\n<p class=\"css-3kpklk\">Want all of The Times?\u00a0<a data-testid=\"subscribe-link\" class=\"css-z5ryv4\" href=\"https:\/\/www.nytimes.com\/subscription?campaignId=89WYR&amp;redirect_uri=https%3A%2F%2Fwww.nytimes.com%2F2024%2F06%2F21%2Fbusiness%2Fprescriptions-overpaying-pbm.html\">Subscribe<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Here\u2019s what to know about your pharmacy benefit manager and how to find out if you are being overcharged for medications.If you\u2019ve ever had trouble getting a prescription drug, chances are you\u2019ve run into a pharmacy benefit manager.These companies, known as P.B.M.s, play a crucial but often hidden role in deciding which drugs you can get and how much you will personally have to pay. They are middlemen in the maddeningly complex American health care system, working on behalf of your employer or government insurance programs like Medicare, which cover most of the costs of prescription drugs.The job of the P.B.M. is to save money on your medications. But The New York Times found that the three biggest P.B.M.s are often making you pay more than you should.Here\u2019s what to know about your P.B.M. and how to find out if you are being overcharged.How do I know which P.B.M. I have?Most Americans rely on one of the big three P.B.M.s: CVS Caremark, Express Scripts or Optum Rx. Even if you have a smaller P.B.M. like Prime Therapeutics, you may be affected by the business practices of the three giants. (That\u2019s because many smaller P.B.M.s delegate some of their dealings with drug companies and pharmacies to their larger competitors.)This is different from the health insurance that covers your doctors\u2019 visits or a hospital stay. While you can typically pick your health plan during your employer\u2019s open enrollment period every year, your P.B.M. is picked for you.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and\u00a0log into\u00a0your Times account, or\u00a0subscribe\u00a0for all of The Times.Thank you for your patience while we verify access.Already a subscriber?\u00a0Log in.Want all of The Times?\u00a0Subscribe.<\/p>\n","protected":false},"author":1,"featured_media":8210,"comment_status":"close","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-8208","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle"],"_links":{"self":[{"href":"http:\/\/medexperts.pro\/index.php?rest_route=\/wp\/v2\/posts\/8208","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/medexperts.pro\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/medexperts.pro\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/medexperts.pro\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/medexperts.pro\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8208"}],"version-history":[{"count":2,"href":"http:\/\/medexperts.pro\/index.php?rest_route=\/wp\/v2\/posts\/8208\/revisions"}],"predecessor-version":[{"id":8211,"href":"http:\/\/medexperts.pro\/index.php?rest_route=\/wp\/v2\/posts\/8208\/revisions\/8211"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/medexperts.pro\/index.php?rest_route=\/wp\/v2\/media\/8210"}],"wp:attachment":[{"href":"http:\/\/medexperts.pro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8208"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/medexperts.pro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8208"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/medexperts.pro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8208"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}