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Kaiser completed a study showing in one series 23% of patients overpaid for their prescriptions. For both generic and trade name medications, sometimes it is cheaper for patients to ask for the retail price, rather than processing it through insurance. Other options, such as GoodRx often offers even further discounts for medications.
Cumbersome rules also frequently lead to higher costs. Pharmacists, for example, often by statute cannot substitute doxycycline hyclate for doxycycline monohydrate, even though there is often little difference between these two generics and a 90-100% difference in price. Asking your doctor and/or pharmacist can pay off.
https://www.medscape.com/viewarticle/893992

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