Well, I finally got to pay $665 for a month's supply of a drug.

[Ms. Toad]

42. That's in the price range where GoodRx or Costco are generally cheaper than buying through insurance.

On the 50-75 or cheaper, insurance is generally better. Above $2-300, insurance is generally about the same. But in that middle range most of our meds are cheaper from Costco or GoodRx (they tend to be about the same).

I was shocked the first year I did my annual price check for Medicare Part D. We saved between $1000 and $2000 buying about half of our meds from Costco without insurance. So now I check it every year. Last year, for the first time, insurance was competitive on all but one drug. This year it's back to about 50-50.

The only reason we're buying most of my spouse's meds through Part D is the out-of-pocket cap. Meds bought without insurance don't count toward the cap, and her meds are expensive enough she will hit the cap this year.