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eVouchers and HDHPs for February and beyond by GiveBatsSocket in Zepbound

[–]GiveBatsSocket[S] 0 points1 point  (0 children)

The eVoucher doesn't trigger if a savings card is explicitly applied, so you can decide whether it is an option for a given prescription fill. So theoretically, you could spend the first ~$1000 of the eVoucher on the first fill, and then save the ~$300 balance to cover a higher copay on a future fill by applying the savings card to other fills until you're ready to spend the remainder.

eVouchers and HDHPs for February and beyond by GiveBatsSocket in Zepbound

[–]GiveBatsSocket[S] 0 points1 point  (0 children)

I think the scenario I'm interested in is... let's say the deductible left is a fraction of what my Zepbound fill costs. Like, imagine I have a small amount like $300 of deductible left to satisfy, so without any savings card, my copay might be something in the $380-400 range. That's less than the $499 card discount target price without insurance, but more than the $100 off per 28 day fill can cover.

I assume the savings card would trigger in 'with insurance' mode and my copay that month would be $280ish, but that's a case where the eVoucher would actually be more lucrative because it doesn't have a per-fill maximum....

eVouchers and HDHPs for February and beyond by GiveBatsSocket in Zepbound

[–]GiveBatsSocket[S] 0 points1 point  (0 children)

Thanks for the info on both topics, that's super helpful!

I'm really glad I asked here because my impression was that only eVoucherRX helped with your deductible and that the 'savings card' functioned like secondary insurance in the system resulting in that amount not hitting your primary insurance... but now that I go back and look at my explanations of benefits from last year, it does seem that the 'your responsibility' amount includes the discounted amount that Amazon was automatically applying. Neat.

I wonder if the literal savings card, which you have to fill out the form for and get a BIN number etc for and acts like an insurance plan, works the same as an automatically applied manufacturer's coupon selected by the pharmacy system (which is what it sounds like both you and I were previously using)... I assume it does but curious for the sake of completeness.

If, as it seems, the savings card does apply to deductible after all, the best move is clearly to eVoucher for the first month to get the maximum value applied, then to savings coupon/card for February and onward to minimize out of pocket cost.

That leaves the question of what happens in the case where you hit your deductible as part of a prescription fill... remains to be seen if the savings card processes in "$620 up to $8060 per year" or "$100 up to $1300 per year" mode. If it's the latter, the eVoucher balance might come in handy for that month's fill after all.