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Keep Your Health on Track Without Breaking the Bank

Happy New Year! While January brings a fresh start and a health and lifestyle mindset reset, it also brings an insurance deductible reset.

If you’ve recently visited the pharmacy only to be met with a price tag that made your jaw drop, we get it. It’s a shock to the system when a medication that cost $20 in December suddenly costs $200 in January. Whether you’re a senior managing chronic conditions, a Veteran navigating healthcare, a parent in charge of healthcare for your family, or a dedicated caregiver balancing everyone’s needs, that reset deductible "sticker shock" is a real stressor.

But here’s the bright side: You don’t have to let a high deductible stand between you and your wellbeing.

Why Does My Insurance Deductible Reset Mean A High Prescription Medication Cost?

A deductible is the specific dollar amount you must pay out-of-pocket for covered healthcare services before your insurance company starts to pay for anything. Your deductible amount varies based on your specific health insurance plan. If you’re not sure what your yearly deductible is, contact your insurance company! Deductibles are based on a year’s worth of your medical costs, which means, on January 1st, your clock and deductible reset back to zero. Even if you reached your deductible last year and no longer had to pay as many costs out-of-pocket, you’re back at the starting line now.

Long story short, this means that until you spend the required amount to meet your deductible, you may be responsible for the full cost of your medications (again, depending on your specific plan!).

What’s The Difference Between Copays and Deductibles?

A deductible is the yearly amount you pay for healthcare services before your insurance starts kicking in, while a copay is the smaller, pre-determined fee you pay your insurance each time you receive specific care, such as a doctor’s visit.

Generally, copays don’t count toward your deductible, however, they typically count towards whatever out-of-pocket maximum outlined in your health insurance plan.

If My Deductible Reset, Do I Pay a Copay or Full Price For My Prescription?

When your deductible resets, in general, that means you would have to pay the full price for your prescriptions until you meet the new deductible. You can use prescription discount cards like Visory Health to lower those full-price costs, but we’ll get into that later!

It’s important you understand how your health insurance plan is set up! Some plans may not cover anything until your deductible is met, while others may cover certain medications while only charging a copay. Contact your insurer for your specific plan’s information. You can call their member services or look at your Summary of Benefits in their online portal. Here are some examples of how different types of health insurance plans may handle prescription costs when your deductible has reset:

Deductible Health Plans: With a standard deductible plan, you pay 100% of your prescription costs until your deductible is met. Once met, your insurance starts to cover those costs and you only pay your copay. For high-deductible plans, you will likely have a more affordable monthly premium, but will need to spend more out-of-pocket to meet your higher deductible before insurance starts to pay.
Health Plans with Specific Rx Deductibles: Certain health plans have specific prescription medication deductibles, separate from your general medical deductible.
Health Plans that Cover “Tier 1” Drugs: There are some health plans that will offer a low copay for specific medications, such as certain generic (sometimes called Tier 1) drugs, whether or not you have reached your deductible. However, this usually means you pull full price for the other tiers of prescription medications until you meet your deductible.

How Do I Avoid Paying Full Price If I Haven’t Met My Deductible?

Most people assume that using their insurance card is always the cheapest route to get your medications. In reality, your Rx can be cheaper than your insurance if you use a prescription discount card like Visory Health. With the Visory Health Prescription Savings Card, you can actually get a lower price when used instead of your insurance, and save up to 80% on your prescription medications.

If the Visory price is lower than the high price your insurance is charging due to your deductible reset, you can simply ask your pharmacist to use Visory Health instead. It’s free and simple to use!

Take Control of Your Healthcare Costs

We want to make your journey to better health as easy as pie. Here’s a quick guide to getting the best price:

Compare Before You Go: Use the Visory Health price search tool to check what your prescription cost will be using Visory. Prices can vary significantly between pharmacies, so check the Visory price at all of your local participating pharmacies before you go!
Ask the Pro: When you’re at the counter, ask your pharmacist: "What is my price with my insurance versus the Visory Health price?"
Bring Your VH Card to the Pharmacy: Show your digital Visory card to the pharmacist, and they’ll apply our discount instantly. Get your card on our website or app.
Get Your Time Back: Using a cash card like Visory means no "prior authorizations" or insurance hurdles. It's fast, simple, and effective.

Start The New Year on The Right Path

The new year should be about looking forward to a bright, healthy future, not worrying about pharmacy receipts or complex insurance math. Whether you're navigating a reset deductible or just looking for a better deal, we've got your back. You deserve to feel calm and empowered when it comes to your health.

At Visory, we see you. We see the daughter managing her mother’s heart medication while juggling a job. We see the Veteran who deserves the best care without the red tape. We see the seniors who want to enjoy their retirement without worrying about the cost of their necessary medications.

Our team works directly with pharmacies to cut out the "middleman" costs that drive prices up. This allows us to pass savings of up to 80% directly to you. We're unapologetic about our mission: we want to give you your time and your money back.

We’re so glad you’re part of our community. No matter what the new year brings, remember that you have the tools to take charge of your health and your budget.

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Stay Healthy, Stay Visory!

The Visory Health Team

","disclaimer":"

This article is not medical advice. It is intended for general informational or educational purposes only. It is not a substitute for professional medical advice, diagnosis or treatment. Always seek the advice of your physician or other qualified health care provider with any questions you may have regarding a medical condition, diagnosis or treatment. If you think you have a medical emergency, immediately call your physician or dial 911.

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