SAVINGS CALCULATOR
Insurance vs Cash Pay: Which Saves More?
Most patients assume insurance is always cheaper. Enter your numbers below — the answer might surprise you.
Your Prescription Details
The sticker price without any discounts
Cash Pay Wins!
$6315/year saved
by choosing cash pay
INSURANCE TOTAL
$8625/yr
Rx: $3225 + Premium: $5400
CASH PAY TOTAL
$2310/yr
~$193 × 12 refills
Cash prices shown are estimates based on competitive pharmacy bidding.Upload your prescription to see real prices from verified pharmacies.
When Each Option Wins
Cash Pay Usually Wins When...
- You have a high-deductible health plan ($3,000+)
- You haven't met your deductible yet
- You're taking generic medications
- Your copay exceeds $50 for a generic
- You're considering compounded alternatives (GLP-1s)
- You take only 1-2 medications
Insurance Usually Wins When...
- You take expensive brand-name biologics
- You've already met your deductible
- You take 5+ medications (cross-subsidy)
- Your employer covers most of the premium
- You need specialty pharmacy services
- You're near your out-of-pocket maximum
Real-World Examples
Metformin (generic)
Insurance: $15 copay
Cash pay: $4–$9
Cash saves $6–$11/mo
Ozempic (brand)
Insurance: $150 copay
Cash pay: $850+
Insurance saves $700/mo
Compounded Semaglutide
Insurance: Not covered
Cash pay: $150–$300
No insurance option exists
Frequently Asked Questions
Stop Guessing. Start Saving.
Upload your prescription and see real cash prices from verified pharmacies competing for your business.
Get Your Cash Price