Al, I have read some strange things about health insurance in the US and this certainly is strange.
So if I interpret this correctly someone in the insurance chain pays extra because of insurance, or the customer goes else where and buys cheaper without using insurance and Walgreens looses the sale.
My understanding is that Walgrns makes you file under your insurance if you have insurance.
(I don't use them because of their restrictive policy on generic drugs).
IF you bought a Prescription Drug Insurance Policy that has NO Deductible, it is my understanding that you just pay the Co-Pay set by the insurance company AND the Insurance Company Pays the remainder of the previously agreed upon price between the Insurance Co. and the Pharmacy.
IF you bought a Prescription Drug Insurance Policy that has a Deductible, it is my understanding that
you pay the same agreed upon price that the Insurance Company Negotiated with the Pharmacy.
(It took a LOT of calling / questioning of Both the Ins. Co. and Pharmacy to finally figure out where
the prices I paid before meeting my deductible came from !!!)
Walmrt, and several copycat Pharmacies, have a list of their own Preferred Generic Drugs that they sell to anyone for $4/30 or $10/90 or something similar. Whether you have insurance or not or a deductible or not. Prices for 2011 may be a bit higher at some. Some charge a small annual fee to participate in their generic drug program, some do not.
Every Insurance Company has a "Formulary" where they specify a "Tier" for the drugs in their different policies. Tier 1 is usually Generic Drugs with a low co-pay ($4,5,7). Tier 2 is Preferred Brand or non-preferred Generic ($35, 44, ??). Tier 3 is Non-Preferred Brand ($70, 75,...) and Tier 4 is Special High Cost Drugs that are typically sold at a Percentage of Cost (35% etc.). This system applies to Medicare Prescription Plans. I'm not sure how it works for Medicare Advantage Plans or Company provided Plans.
Several Pharmacies have computer programs where they can calculate your estimated drug costs if you give them a list of your "maintenance" drugs. The Tricky Part is to know how Specialty Drugs you "might" need (e.g. new AntiBiotics, or other new or specialty drugs) will be charged.