Probably the most confusing and frustrating concept in the pharmacy world.
The idea is simple. You pay the pharmacy money to help pay for your drug, hence the word Co-Pay. Like Cooperative Pay, you and your insurance company are joining forces to pay the pharmacy for the goods given to you. If it were that simple then I wouldn’t have a website.
When I hear that I’m needed out front because a patient has a question about a copay, my GERD goes through the roof. Not because the concept is hard, but I know that I’m going to get yelled at and blamed for something that is 100% not my responsibility, not my fault, and to be honest a whole truckload of not my fucking problem. I’m a pharmacist, I make sure drugs don’t kill you, I don’t give a fuck about an issue between you and your insurance company. Your insurance company says I need to collect $x, so the bill is $x.
The most frustrating (and that requires the most restraint on my part) is when people bitch that their copays got bumped up from $5 to like $15 for shit like Aciphex, Nexium, or some other drug that costs over $100. I really have a hard time not taking their prescription back, running it out as cash, and saying “here ya go, pay that now you ungrateful stupid fuck”. These people are stupid, and really dont get the concept that they are getting $150+ worth of medication for $15. “I pay premiums I want my insurance to pay for all of it!” says the idiot who is getting about $500 worth of medication totaling $50 worth of copays with $200/month premiums. You are getting MORE OUT than you are PUTTING IN and BITCHING ABOUT IT!!!! No wonder why this system is all broken.
Idiots on socialized plans (Medicare/Medicaid) are even worse, because their copays are like $3.10 which is MORE of a slap in the face when they bitch/cant pony the cash for their $200 worth of shit they probably don’t need.
Enbrel, $3.10 copay, cue the massive whining and bitching on how someone is on a “fixed income” and cant pay. Enbrel is thousands of dollars for $3.10. Three fucking ten. You cant even buy a fucking value meal at McDonalds for $3.10!!! This fucking twat is whining at me for having to pay!! I’m sorry honey, but that $3.10 is my whole profit from this Rx, so I’m not letting you pay me on the first. Personal finance 101, make sure you have $3.10 for your Enbrel – Thank you.
I mean really, if you went to go and buy a TV at Best Buy that costs $400, and you threw a fit because you had to pay out of your own pocket $25 for this $400 TV, would you be upset if people called you stupid? Would you be upset if the salesman said “Listen you fucking idiot, the rest of the world has to pay a whole fuckload more than you, and you’re whining about a measly $25 for a $400 product?!?”
Then there is this bullshit rumor that we set the copays. If pharmacists could set insurance copays, then maybe the bitching and whining would have some merit. However the HUGE FUCKING NON-SECRET is that PHARMACISTS DO NOT SET YOUR COPAYS (unless you are paying cash). They are transmitted to us via computer and are set by the insurance company that YOU PAY (or we pay) TO PROVIDE YOU Rx COVERAGE. Does the Taco Bell drive up teller set the price of your burrito? NO! They punch a burrito into the computer and it spits out how much you need to pay. Pharmacy is the exact same fucking thing, but people still don’t get it.
People want something or someone to bitch at because of their copays. Yeah, that’s fine, but bitch at some Indian drone at Blue Cross, not me.