[elliottinvent]

I’m from the UK

> Except nobody should actually be paying $22.80 for generic Prozac. You can drive to any local Walmart and get it for $4 and they will bill your insurance, which will count toward your deductible.

FWIW I thought this meant that it was $4 because of “your insurance” or “deductible” but I think you meant it’s $4 for people that aren’t insured? And people that are insured get it for free?

[PragmaticPulp]

> FWIW I thought this meant that it was $4 because of “your insurance” or “deductible” but I think you meant it’s $4 for people that aren’t insured? And people that are insured get it for free?

No, it's $4 retail at Walmart. $10 for a 3-month supply.

People with insurance might also pay the $4 if they haven't reached their insurance deductible (same concept as car/home insurance deductible).

Insured people still pay some co-insurance, up until their out-of-pocket maximum.

[aaaaaaaaaaab]

>Insured people still pay some co-insurance, up until their out-of-pocket maximum.

I honestly don’t know what this sentence means, and I’m glad I don’t need to deal with such things in the UK.

[ev1]

Imagine you opted for the cheap $500/month plan. You might have to pay 50% or 100% of all costs until you reach your maximum, which might be 5 digits and resets at least annually. Don't forget the "out of network" vs "in network" separation/cost/caps, where your physical hospital may be in network but a provider that works there is billed out of network.

See also: https://en.wikipedia.org/wiki/High-deductible_health_plan