I saved big bux at the pharmacy today

**starsapphire** · 03-09-2006, 10:56 PM

DH and I both work and both have health insurance through our employers. He became eligible for his health ins. just at the end of last year. I haven't used it until yesterday because I wasn't having any major health issues. So I go to the Dr. and get a Rx. I had some other monthly meds waiting for pickup at the pharmacy so I go to the pharmacy for all of them.

For the new Rx I told the lady that I've never had that medication before and I wasn't sure if my insurance covered it or not, but I have secondary ins. too and I gave her the card. She typed all the info into her puter and says Good News! Your copay is zero, your first ins. covered all but 60-something dollars and your second ins. covered the rest. I told her that I had some other Rx's to pick up, would she mind running them through the 2nd ins. also? I got out of there with four Rx's for ten bucks! My copay on the other three Rx's would have been around $75. I saved $135 today! Sweet!

I'm really glad we have double coverage right now, and not just because of the Rx savings today. DH took full advantage and just had over $3000 of dental work done and when all the dust settles we should be paying very little of that, according to the dentist's billing person. And I have to go in for a test that will be around $3000 and most of it should be covered, I'll find out more after I schedule the test.

DH's insurance is free to us, his employer pays all of the monthly premium. My insurance costs $155/month for both of us. Our original plan was to drop my insurance when his kicked in to save money. But then I started hearing about people really struggling and/or going bankrupt when hit with major medical problems even with insurance, so I told DH we should keep both and he agrees. I think we're saving money in the end with this strategy.