In the USA we seem to have lots of drug commercials. In some of them there is reference to a discount on the prescription if you have insurance.
For example [Jardiance](https://www.jardiance.com/heart-failure/savings-support), a type 2 diabetes drug offers a copay as low as $10 if you meet the qualifications.
Why does a consumer need insurance for this discount to apply? Who pays for the difference in cost?
In: 5
Manufacturer-provided savings cards often both specify a maximum possible discount and a minimum price. The maximum discount, used without insurance, often may still end up far higher than that minimum price (or this may also occur if a patient needs a larger quantity that normally is prescribed). To my understanding, these often work as a rebate from the manufacturer of the discounted amount.
For that product linked, it’s a maximum of $175/month discount. At typical dosing, this is close to a $600-700/month cash price medication.
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