Add Amazon, Walmart Drug Discounts to Your Cost Comparison | Personal Finance

Walmart+ hasn’t promoted six-month prescriptions and typically offers 30- and 60-day options. You share your digital pharmacy savings card information with a pharmacist who will work with you to compare savings options on varying supplies.

Can you combine the discounts with insurance coverage?

No. The prescription savings cards are not insurance and can’t be combined with insurance. However, you can always opt to use the discount programs rather than your insurance, if a drug price is less than your copay.

Once you enter the prescription and your insurance information, the Amazon service offers an insurance copay lookup tool so you can compare that to the discount price on a particular prescription.

‘Zillow for health care’

Thanks to online services such as Zillow and Autotrader, it seems easier to shop for a home or a car than prescriptions.

“We need that for health care,” says Mark D. Peters II of Flemington, New Jersey, a Doctor of Pharmacy and vice president at nonprofit CancerCare.

The reason there is little transparency in the pricing for medications, and health care as a whole, is a tangled web of providers, Peters says.

Pharmacy benefit managers, or PBMs — such as Express Scripts, OptumRx and CVS Health — are a part of the complicated prescription supply chain. PBMs, a bridge between drug manufacturers, wholesalers, health insurers, pharmacies and large employers, build a list of approved drugs, called a formulary.

Read More: Add Amazon, Walmart Drug Discounts to Your Cost Comparison | Personal Finance

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