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<p>Some daily medications are taken on a long-term basis. If you’re on a long-term medication you may be able to save time and money by filling your medications in longer durations.</p><p>At Marley Drug, we offer 100s of generic medications in a 6- or 12-month supply to help reduce your costs and help you to spend less time thinking about when you need to order your next refill.</p><h4><strong>Benefits of Filling your Medications in Longer Supply</strong></h4><p>Longer supply is good for the patient, the doctor, and the pharmacy.</p><ol><li><strong>Better Pricing:</strong>&nbsp;By providing medications for a longer duration, we can offer you better pricing because we only have to fill the prescription once.</li><li><strong>Fewer Pharmacy Visits:</strong>&nbsp;Getting your medication can be time consuming and isn’t always convenient with our busy schedules. By getting your medications in a 6- or 12-month supply, you will spend less time visiting a pharmacy.</li><li><strong>Fewer Refill Requests:</strong>&nbsp;With your doctor prescribing your medication in a 6- or 12-month supply, you don’t have to repeatedly ask your doctor to provide you with a refill.</li><li><strong>Less Stress About Running Out and Better Adherence:</strong>&nbsp;Many people run out of their medication because they forget to re-order it. It happens to almost everyone, but by filling your prescriptions in a 6- or 12-month supply you can ensure you have a constant supply of your medication on hand.</li><li><strong>No More Arguing with Insurance:</strong>&nbsp;Many&nbsp;<a href="https://www.marleydrug.com/blog/are-prior-authorizations-good-for-patients" rel="noopener noreferrer" target="_blank">insurance plans require pre-approval</a>&nbsp;for certain medications. This can be very time-consuming for both patients and healthcare providers. If you pay cash for your medication, there is no insurance, which means no prior authorization headaches.</li></ol><p>It’s a win-win-win for everyone involved – the patient, the doctor, and the pharmacist.</p><h4><strong>At Marley Drug, we offer an easy solution to overpriced medications</strong></h4>

<p>Generic medications should not be expensive. Medications on Marley Drug's Wholesale Price List are often as low, if not lower, than your insurance copay, so why not keep your insurance for when you need it? Even better, by paying cash, you don’t need to worry about insurance approval like prior authorizations. Whether you’ve lost insurance or are tired of expensive co-pays, check out our&nbsp;<a href="https://www.marleydrug.com/wholesale-price-list" rel="noopener noreferrer" target="_blank">Wholesale Price List</a>, where you may realize significant cost savings.</p><p><br></p><p><br></p>

Some daily medications are taken on a long-term basis. If you’re on a long-term medication you may be able to save time and money by filling your medications in longer durations. At Marley Drug, we offer 100s of generic medications in a…

If you’re on a long-term medication you may be able to save time and money by filling your medications in longer durations. Learn more.

5 Reasons You Should Fill Your Medications in Longer Supply

Understanding Drug Pricing

5 Reasons Why Filling your Medications in Longer Supply may Save you Time and Money

<p>Non-medical switching is the term used when insurance companies force a patient to switch medications for non-medical reasons without regard for the patient’s medical needs or their healthcare provider’s recommendations.</p><p>These switches are not usually related to the occurrence of side effects or a lack of clinical efficacy or poor adherence, but rather are <strong>frequently an attempt to reduce the amount of money insurance companies need to spend on medications in order to maximize their profits</strong>.</p><p>These switches usually occur through a formulary change which removes a medication from a patient’s insurance coverage; however, insurance companies may also make patients feel forced to switch medications by adding additional steps to getting medications approved (called <a href="https://www.marleydrug.com/blog/are-prior-authorizations-good-for-patients" rel="noopener noreferrer" target="_blank">prior authorizations</a>), increasing their out-of-pocket costs through the use of a higher co-pay, or by reducing the percentage that their insurance plan will cover.</p><h3>Effects on patients</h3><p>If a medication is working, why should we switch it? It’s a valid argument. Non-medical switching can have a very negative impact on a patient; not just on their health, but also on their adherence to their medication. Some examples of problems it can create include:</p><p></p><ul><li><strong>Switching to less effective medications:</strong> Sometimes the new medication the patient is being switched to is not as effective at treating their disease.</li><li><strong>More doctor visits:</strong> Switching medications forces a patient to re-start the process of working with their healthcare provider to find another medication that works for them in controlling their disease. Increased doctor visits usually result in additional costs to the patient.</li><li><strong>New medications mean new medication risks:</strong> Switching medications from one that works to something different can increase the possibility of side effects for that patient and may cause them to “move backward” in their disease treatment. For many patients, especially ones with chronic diseases such as diabetes, finding the specific medication that helps control their disease with minimal side effects can take months or even years.</li><li><strong>Stop taking the medication:</strong> Some patients eventually get tired of the insurance headaches, expensive costs, and unnecessary doctor visits and just stop taking their medication. Depending on the medication they were taking this could cause serious problems down the line.</li></ul><p>These are just some of the many issues that can arise. In a worst-case scenario, serious adverse events may occur or the patient loses control of their disease which ultimately send them to the emergency room to help get their disease back under control.</p><h3>Effects on healthcare providers</h3><p>Physicians and other prescribers devote a lot of time and care to each patient to ensure they find a medication that works for them, especially for patients with chronic conditions. A switch at the pharmacy can be extremely frustrating and problematic for the prescriber as there is a potential to create problems around managing the medication switch in general, loss of disease control for the patient (possibly causing disease regression) and an increase in potential side effects that will have to be managed as well. Finally, while these automatic medication changes are normally communicated to the healthcare provider, in reality this does not always happen. This means that while they believe their patient’s health is being managed appropriately, in reality it may not be.</p><p>Pharmacists are also highly affected by non-medical switching. After a medication’s coverage changes, the pharmacist spends a lot of time communicating with patients, physicians, and payers to discuss these changes and educate them all on how this can affect them; this often makes them the middlemen in these changes even though they do not get a say in the medication switching. Recently, a physician in Colorado, Dr. Kari Uusinarkaus, spoke out about how non-medical switching has severely affected one of his patients. A quote from the article posted in <em>The Gazette </em>states that “non-medical switching is a dangerous, counterproductive strategy that puts profits squarely ahead of patient health.” </p><h4>How patients feel</h4><p>A national poll of 800 patients affected by non-medical switching was performed by Alliance for Patient Access called “A study of the qualitative impact of non-medical switching”, which aimed to gain some insight into patient experiences.</p><p><img src="https://marley-storage.imgix.net/12a0838d-29d0-46ea-9421-78c514c7e850/BL-20220107-nonmedicalswitch-stats.png"><br><br>When patients were asked about the value of getting their medications right, around 60% had reported that it was difficult to find the medication that worked for them, and 88% stated that their day-to-day lives depended on this original medication. Most patients reported that their insurance company stopped covering the medication they were on and they only found out about it at the pharmacy counter when they went to go and fill their prescriptions.</p><p>Nearly 60% of these patients experienced some form of complication while on their new medication, with approximately 1 in 10 people being hospitalized.</p><p>The impact of non-medical switching on other aspects of these patients lives (such as their family and work life) were also reported. Between 40-50% of respondents said that the switch in medication impacted their productivity at work and affected their family relationships. This took a toll on a lot of patients’ emotional well-being with 72% reporting a feeling of helplessness.</p><p>An overwhelming 86% of respondents claimed that the insurer made a decision that “rightfully belongs” to the healthcare provider and over 90% believe that these decisions should be solely made by the patient and healthcare provider and laws should be put in place to reflect such an arrangement.</p><h3>Conclusion</h3><p>Healthcare decisions should be made exclusively by healthcare providers and patients working together to determine the best treatment plan, not by insurance companies trying to save money. Medication switching solely to reduce drug cost can result in increased overall healthcare usage and costs for the patient.</p><p>This is why at Marley Drug; we only give you the medication your healthcare provider prescribes. By not using insurance and paying cash, we can offer you a great price on your medications and you do not have to worry about non-medical switching being forced by your insurance company.</p><p><br></p><h6>Data for this article was informed by: <br>1 National Infusion Center Association<br>2 https://pubmed.ncbi.nlm.nih.gov/31081414/<br>3 https://gazette.com/opinion/guest-column-non-medical-switching-can-harm-patients/article_87d836f0-3e6f-11ec-a901-67fbac0080b4.html<br>4 Alliance for Patient Access</h6><p><br></p>

Non-medical switching is often an attempt to reduce the cost insurance companies need to spend on medications to maximize their profits.

Non-medical switching refers to when an insurance company requires a patient to switch medications for non-medical reasons. This can harm patients. Learn more.

Educate Yourself on Non-Medical Switching

Bl 20220107 Non Medicalswitching Hero Min

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<p>Have you ever asked your pharmacist what the cash-price is for your medication?<br>
Probably not, but you should!<br>
Most of our patients are shocked when they learn how much they can save by paying cash for their medications, rather than using the traditional route of applying their insurance and paying what they felt was a ‘small copay’.</p>

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<h3 style="font-size: 1.5em; font-family: 'montserratbold', sans-serif; color: #222222;">What does it mean to pay cash for your prescriptions?</h3>

<p>Paying cash for your prescriptions means that you are paying for your medications <span style="font-family: 'montserrat', sans-serif;"> without using any insurance.</span>  The cost associated with this price includes the cost for the pharmacy to acquire the medication at a wholesaler, pharmacy dispensing fees, and an arbitrary mark-up for the pharmacy to make money. That mark-up is usually pharmacy dependent.</p>


<h3 style="font-size: 1.5em; font-family: 'montserratbold', sans-serif; color: #222222;">Why is the cash-price different than the insurance-price?</h3>

<p><strong>General Assumption</strong>: One would think using insurance should always be less than paying cash.<br>

In reality, the cash-price and insurance-price are two separate things.<br>

The <span style="font-family: 'montserrat', sans-serif;"> insurance price</span>, the price you pay for medications using your insurance at the pharmacy is decided by your insurance company and the <a href="https://www.marleydrug.com/blog/congressman-comer-investigates-pbms-and-rising-healthcare-costs-inside-view-from-a-pharmacy-and-drug-manufacturer">pharmacy benefit manger (PBM)</a> they hired to negotiate a “better price” for you.</p>

<div style="border-left: 5px solid #fee203;  padding-left: 15px; padding-right: 15px; margin-bottom: 40px; margin-top: 40px; font-family: 'montserratlight', sans-serif; font-size: 1.2em; line-height: 160%;"><strong>Did you know?</strong> The pharmacy has no say in the price when you use insurance.</div>

<p><span style="font-family: 'montserrat', sans-serif;">Reason for the price discrepancy: </span>While we as a pharmacy can purchase the medication for next to nothing, your insurance company and their PBM may have negotiated a different price and then marked it up a bit to make some money for their services.</p>

<p>We as a pharmacy have to offer that price to you based on what they negotiated and decided on, even if we can offer it to you for less!</p>

<h3 style="font-size: 1.5em; font-family: 'montserratbold', sans-serif; color: #222222;">Why haven’t I heard about this better offer?</h3>

<p><strong>Gag clauses </strong>have prevented pharmacists from telling you about a better deal.</p>

<p>You may not have heard that paying cash can often be cheaper that using insurance, and that’s likely because of <span style="font-family: 'montserrat', sans-serif; color:#333333;">unethical laws</span> that currently exist preventing pharmacists from telling you about a better deal.</p>

<p>There are gag clause contracts with pharmacies and PBMs that prevent pharmacists from telling patients about affordable alternatives.</p>

<p>Some good news though, on October 10, 2018, <span style="font-style: italic; font-weight: 600;">Bill S.2553, Know the Lower Price Act</span> was instated <span style="font-style: italic; font-weight: 600;">which allows pharmacists to inform patients under Medicare or Medicare Advantages plans of lower-price cash options</span>.</p>

<div style="margin: 30px 15px 30px 15px; background-color: #fee203; padding: 20px; font-family: 'montserratlight', sans-serif; line-height: 160%;">This bill prohibits a prescription drug plan under Medicare or Medicare Advantage from restricting a pharmacy from informing an enrollee of any difference between the price, co-payment, or co-insurance of a drug under the plan and a lower price of the drug without health-insurance coverage (such restrictions are commonly referred to as gag clauses).</div>

<p>While many laws still need to be changed to prevent these unethical practices, this new bill is a great step in the right direction to provide price transparency for patients.</p>



<h3 style="font-size: 1.5em; font-family: 'montserratbold', sans-serif; color: #222222;">How can it be more affordable to pay for prescriptions without insurance?</h3>

<p>Paying for your prescriptions with insurance can cost more because it requires more steps to get your medications through the <a style="color: #222222; text-decoration: none; border-bottom:.125em solid #5ba2b6;" href="#" target="_blank" rel="noopener">supply chain</a>.</p>


<div style="border-left: 5px solid #fee203; padding-left: 15px; padding-right: 15px; margin-bottom: 40px; margin-top: 40px; font-family: 'montserratlight', sans-serif; font-size: 1.2em; line-height: 160%;"><strong>Did you know?</strong> When you use your insurance, there is an extra player involved: the PBM middlemen, who are paid by your insurance company to negotiate better pricing with drug manufacturers.</div>

<img src="https://marley-storage.imgix.net/0092b4de-f216-453f-9522-6e2cef93c920/bl-cashprice-steps-3.png" alt="Cash price vs copay" width="100%" height="auto">
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<p>Built into these overcomplicated negotiations are administrative fees as well as unethical pricing strategies, termed <u><a href="https://www.marleydrug.com/blog/how-spread-pricing-increases-prices-of-generic-drugs">spread pricing</a></u>, which can profusely inflate the cost of medications.</p>

<div style="border-left: 5px solid #fee203;  padding-left: 15px; padding-right: 15px; margin-bottom: 40px; margin-top: 40px; font-family: 'montserratlight', sans-serif; font-size: 1.2em; line-height: 160%;">According to a recent analysis by Kaiser Health News, the price of medications when using health insurance can add costs of up to $30 per prescription.</div>

<p>These PBM and insurance company middlemen have been getting away with this unethical practice for decades and ultimately costing both employers and patients hundreds of millions more for the cost of generic medications.</p>

<p>In recent years, some states have introduced new laws to fight high drug prices and restrict practices that are costing taxpayers hundreds of millions every year.</p>

<p>Paying the cash price for your prescription means you can bypass the additional fees and middlemen which cause price inflation when you pay with insurance.</p>


<h3 style="font-size: 1.5em; font-family: 'montserratbold', sans-serif; color: #222222;">Don’t assume your insurance is saving you money</h3>

<p>$10 per month is the national average copay for generic medications.</p>

<p><strong>The Assumption: </strong>The assumption we all make is that our insurance copay is a good deal for us. With an average $10 copay, one would assume the medication costs a lot more than $10, especially since your insurance is also paying for some of it.</p>

<p><strong>The Reality: </strong>The reality is that most generic medications cost next to nothing for pharmacies to buy. That $10 copay you are paying is extremely inflated and you and your insurance provider are overpaying for your medications. In fact, using your insurance may be costing you more.</p>



<div style="border-left: 5px solid #fee203; padding-left: 15px; padding-right: 15px; margin-bottom: 40px; margin-top: 40px; font-family: 'montserratlight', sans-serif; font-size: 1.2em; line-height: 160%;">Millions of Americans skip doses or stop taking their prescription because of the cost&mdash;the medications you need should always be affordable</div>
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<h3 style="font-size: 1.5em; font-family: 'montserratbold', sans-serif; color: #222222;">Real Life Example&mdash;How paying with insurance costs you more</h3>

<p>Many of our customers are often shocked to learn that paying cash is often less expensive than using insurance.</p>



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<h4>Here’s a real-life example:</h4>

<p>Janice has a prescription for rosuvastatin (generic Crestor<sup>®</sup>) and wants to find the best savings for her medication. When Janice uses her insurance, she pays a copay of $10.00 a month. She assumes this is a good deal for her because the price she sees at the pharmacy, the price the PBM “negotiated” for her is $80 a month and Janice’s insurance covers $70 of the prescription giving her an 87.5% savings.</p>

<p>If Janice had asked for the cash price, she would be shocked to learn that her same rosuvastatin prescription is available at the cash price for less than her $10 copay.</p>

<p>At Marley Drug, Janice could get rosuvastatin (generic Crestor<sup>®</sup>) for $6.17 per month with a 6-month supply (38% less than a $10 copay) or $5.83 per month with a 12-month supply (41% less than a $10 copay.) That’s because it’s on a list of over 100 generic medications that we offer on <a style="color:#ffffff; text-decoration: none; border-bottom:0.125em solid #fee203; " href="https://www.marleydrug.com/wholesale-price-list" target="_blank" rel="noopener">Marley Drug's Wholesale Price List</a>. </strong></p>

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<p>An important point not to be overlooked; Janice’s insurance plan is also paying a lot of money for this medication&mdash;$70/month! That’s an additional $840/year of healthcare costs on top of the extra $50 Janice is paying compared to our price.</p>

<p>What may seem like a low copay that is beneficial for patients is actually riddled with hidden fees by unethical middlemen. This ultimately drives up the cost of healthcare and increases the costs you and/or your employer pay for your health plan.</p>

<p>Whether you have a high copay, or a <a style="color: #222222; text-decoration: none; border-bottom:.125em solid #5ba2b6;" href="https://www.marleydrug.com/never-going-to-pay-through-your-high-deductible-save-money-by-paying-cash-at-marley-drug/" target="_blank" rel="noopener">high deductible</a>, our savings programs at Marley Drug often save you money!</p>


<h3 style="font-size: 1.5em; font-family: 'montserratbold', sans-serif; color: #222222;">Save on your Prescriptions at Marley Drug by paying without insurance</h3>

<p>Marley Drug has over 100 generic prescriptions available through our <a style="color: #222222; text-decoration: none; border-bottom:.125em solid #5b2b6" href="https://www.marleydrug.com/wholesale-price-list" target="_blank" rel="noopener">Wholesale Price List</a> which means you can get your same generic prescriptions at an affordable price, including free shipping.

<ul style="list-style-type: disc; list-style-position: outside; padding-bottom: 15px;">
 	<li style="margin-bottom:5px;">$6.17 per month when you buy a 6-month supply&mdash;38% less than a $10 copay!</li>
 	<li style="margin-bottom:5px;">$5.83 per month when you buy a 12-month supply&mdash;41% less than a $10 copay!</li>
</ul>

<p>No added pharmacy fees&mdash;No copay&mdash;Free shipping right to your door<br>

Call Sam, Julie or Juan in our U.S. Support Center at 800-810-7790&mdash;they would love to speak with you!</p>

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Most of our patients are shocked when they learn how much they can save by paying cash for their medications, rather than using the traditional route of applying their insurance and paying what they felt was a ‘small copay’.

Don’t assume your insurance is saving you money. Learn how you can save money by avoiding insurance and paying cash. Shop online today at Marley Drug.

How to Save Money on Medications by Paying Cash

Cash price might be lower than your copay

How Paying Cash for Your Prescriptions Can Cost Less Than Your Copay

We are a wholesale pricing pharmacy, so you pay less

Can't find what you're looking for? Call us at 866-546-4077.

We are a wholesale pricing pharmacy, so you pay less

5 Reasons Why Filling your Medications in Longer Supply may Save you Time and Money

Educate Yourself on Non-Medical Switching

How Paying Cash for Your Prescriptions Can Cost Less Than Your Copay

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