Ordering Rx's Directly From Your Insurer

A major maven milestone the day I learned how much money I could save by ordering my Rx's directly from Cigna (my healthcare provider). My employer offered me three choices as far as health care providers - Blue Cross PPO, Cigna PPO, and Cigna HMO. To me they read $40 a Month / $40 a Month / $0 a Month...

I went with Cigna HMO, 0$ a Month. It was really an amazing stack up deal - I pay nothing for pretty much everything except regular check ups - which have 10$ co-pays, and must be with an in-network doctor. I pay either $10 / $20 / $35 at the local drugstore for my Rx's - Depending on if they're generic, brand name, or really special brand name.

I take two prescriptions - Seasonale (Birth Control) and Zyrtec (Allergies). My drug store was charging me $30 for a pack of Seasonale's generic (3 Mo. Supply), and $105 for a 90 day supply of Zyrtec - Which doesn't have a generic, and is in the $35 really special brand name bracket.

To make a long story short - Cigna.com quoted me $20 for 90 days of (Generic) Seasonale, and $20 for (Generic) Allegra - Almost Zyrtec. Free Shipping, No Sales Tax. They charge your credit card (oo, points!), and deliver your Rx's automatically. You can order refills online - Cigna will call your doctor to confirm.

Current Monthly Spend on Rx's - $45
New Monthly Spend on Rx's - $9

Yearly Savings - $432 + Saved Sales Tax

My Recommendation: If you're insured, look into this.