Shifted Co-Pays

Shifted Copays

When your co-pays are lower if you use mail order, the plan is absorbing the cost of these missing co-pays. Ultimately, insurance premiums increase due to this factor. You may think you are getting a good deal, but in the end, your company or plan sponsor is picking up the tab.

For example, if your prescription is $1050.00 retail price, and your copay is only $20.00, the plan pays $1030.00. This is part of your benefit package. The higher the plans drug spend, the more likely the plan will have to lessen benefits elsewhere, such as medical. So the copay has merely shifted, not disappeared.