When you buy a prescription for a heart attack or a cancer treatment, there’s a good chance the drugs you’re buying aren’t available from a specialty pharmacy.
Instead, the bulk of the drugs in a pharmacy will come from a large pharmaceutical company that will pay you directly for your medicines.
A handful of specialty pharmacies are getting a break in 2017.
Here’s how to know if you should expect to be charged for a specialty drug.
If you don’t pay for a generic, generic-branded drug, it’s possible the company you’re dealing with won’t provide a cheaper version of the drug.
“It’s very likely you will not be able to get a generic in a large generic drug store,” said Robert DeCourcey, a spokesman for Pharmaco, a specialty pharmaceutical company based in New Jersey.
“There are no plans to offer generic drugs anytime soon.”
It’s also possible you may not be charged by the company.
The cost of generic drugs is typically more than the price of the full-priced brand of drug.
And if you buy drugs through a prescription pharmacy, the pharmacist may be able charge you more than they usually would.
“Some pharmacy chains may offer an additional fee,” said Brian Daley, director of the American Association of Pharmacists’ National Pharmacy Programs, which represents more than 30,000 pharmacists.
“In some instances, a pharmacy may not charge a fee if the drug is covered by the generic policy and the drug’s manufacturer’s product does not carry a generic label.”
If you’re unsure about what you’re paying for, ask.
It’s better to be safe than sorry, said John DeCoster, president and CEO of the Canadian Association of Professional Pharmacists.
“If you buy prescription drugs online, the best practice is to make sure the drug you’re purchasing comes from a generic drug manufacturer,” he said.
“That way you’re protected and you’re not paying more than what the manufacturer is charging.”
To be sure, you may want to check the brand of the brand you’re using.
“Generic drugs tend to be made by generic drug manufacturers and generic drug labels tend to indicate they’re made by the same brand,” said DeCosterson.
“But if you’re ordering a generic or a brand-name drug, you should check the label.”
You can also look at the manufacturer of the generic or brand-brand drugs you want to buy.
Most generic drug companies have a “guarantee” that their drugs are not made by a drug manufacturer that’s not part of their company.
If they’re not, they may have a contract with a pharmacy chain that requires them to carry the drug manufacturer’s name on their packaging.
The drug companies are often responsible for any markups on their drugs.
So if you don.t get a price from the pharmacy chain, you could be getting a markup on a brand name drug.
Generic drugs typically cost less than brand name drugs.
But if you do get a good price, it may not reflect the true price.
You should also check with your insurance company about what coverage you have and what exclusions you have.
And be aware that the drug companies may charge you different prices for a different drug, depending on what you’ve paid for the drug before.
For instance, if you have a prescription drug policy, the manufacturer might ask for higher payments from you if you get a high-deductible health plan.
That’s why you should ask your health plan to confirm that you’re eligible.
The cheapest generic drug may cost you less, but you may be getting more than you expected.
“A generic drug usually is not going to be cheaper than a brand,” Daley said.
That said, if a brand is listed on the generic drug label, you’re unlikely to pay more than $1.50 a pill.
That could be because the drug maker is getting a markup on the brand, so it’s more likely that the brand is making a profit.
If your insurance policy doesn’t cover generics, you can always ask for a list of exclusions, which can be helpful if you suspect the drug could be cheaper.
If a generic isn’t listed on your policy, you might want to talk to your insurance provider.
They might be able offer discounts or coverage to cover you if your coverage doesn’t include generics.
“The big thing is to get it and pay as soon as possible,” said Daley.
“When you’re getting an answer about the exclusions or discounts, ask the pharmacy chain if they are covering you or if they’re paying you less.”
You might also be able pay less out of pocket if you opt for a rebate, and it’s important to understand the rebate process before you decide.
If the pharmacare company you’ve signed up for a drug plan pays a rebate on your prescription, that can be a good sign you’re covered.
But you should be aware of