Got Insurance? You Still May Want to Pay Cash For Your Medication

iStock
iStock

Those of us fortunate enough to have comprehensive health insurance tend to maximize the benefits whenever possible. It’s rare that patients are better off dealing with a medical provider or service on a cash basis than with their insurance card and co-pay. The exception? Certain prescription medication.

According to U.S. News & World Report, there are some instances where paying out of pocket for prescription drugs makes sense. Despite the common belief that a covered drug must be cheaper than if you were uninsured, that’s not always true. Some medications to control blood pressure or cholesterol, for example, are priced by manufacturers and pharmacies to be competitive at a retail price in the hopes it will attract consumers to come into the store and spend more on other necessities like toilet paper or shampoos. This strategy might be more commonplace at a large discount chain like Costco, where someone coming in to fill a prescription could spend hundreds elsewhere in the store.

If that $4 or $8 cash refill is less than your $15 co-pay, the pharmacist would let you know, right? Not necessarily. Although many insurance plans promise you’ll be charged the lowest price, in practice some pharmacists might be obligated to stick to the listed rate and prevented from disclosing the cheaper cash price by pharmacy benefit managers looking to maximize revenue. That’s why it can be beneficial to check a site like BlinkHealth that can alert you to cash prices for commonly-prescribed medications.

There is one caveat: If you pay cash for some of your prescriptions, the money spent won’t be applied toward your insurance plan's prescription deductibles.

[h/t U.S. News & World Report]

Amazon’s Big Fall Sale Features Deals on Electronics, Kitchen Appliances, and Home Décor

Dash/Keurig
Dash/Keurig

If you're looking for deals on items like Keurigs, BISSELL vacuums, and essential oil diffusers, it's usually pretty slim pickings until the holiday sales roll around. Thankfully, Amazon is starting these deals a little earlier with their Big Fall Sale, where customers can get up to 20 percent off everything from home decor to WFH essentials and kitchen gadgets. Now you won’t have to wait until Black Friday for the deal you need. Make sure to see all the deals that the sale has to offer here and check out our favorites below.

Electronics

Dash/Amazon

- BISSELL Lightweight Upright Vacuum Cleaner $170 (save $60)

- Dash Deluxe Air Fryer $80 (save $20)

- Dash Rapid 6-Egg Cooker $17 (save $3)

- Keurig K-Café Single Coffee Maker $169 (save $30)

- COMFEE Toaster Oven $29 (save $9)

- AmazonBasics 1500W Oscillating Ceramic Heater $31 (save $4)

Home office Essentials

HP/Amazon

- HP Neverstop Laser Printer $250 (save $30)

- HP ScanJet Pro 2500 f1 Flatbed OCR Scanner $274 (save $25)

- HP Printer Paper (500 Sheets) $5 (save $2)

- Mead Composition Books Pack of 5 Ruled Notebooks $11 (save $2)

- Swingline Desktop Hole Punch $7 (save $17)

- Officemate OIC Achieva Side Load Letter Tray $15 (save $7)

- PILOT G2 Premium Rolling Ball Gel Pens 12-Pack $10 (save $3)

Toys and games

Selieve/Amazon

- Selieve Toys Old Children's Walkie Talkies $17 (save $7)

- Yard Games Giant Tumbling Timbers $59 (save $21)

- Duckura Jump Rocket Launchers $11 (save $17)

- EXERCISE N PLAY Automatic Launcher Baseball Bat $14 (save $29)

- Holy Stone HS165 GPS Drones with 2K HD Camera $95 (save $40)

Home Improvement

DEWALT/Amazon

- DEWALT 20V MAX LED Hand Held Work Light $54 (save $65)

- Duck EZ Packing Tape with Dispenser, 6 Rolls $11 (save $6)

- Bissell MultiClean Wet/Dry Garage Auto Vacuum $111 (save $39)

- Full Circle Sinksational Sink Strainer with Stopper $5 (save $2)

Home Décor

NECA/Amazon

- A Christmas Story 20-Inch Leg Lamp Prop Replica by NECA $41 save $5

- SYLVANIA 100 LED Warm White Mini Lights $8 (save 2)

- Yankee Candle Large Jar Candle Vanilla Cupcake $17 (save $12)

- Malden 8-Opening Matted Collage Picture Frame $20 (save $8)

- Lush Decor Blue and Gray Flower Curtains Pair $57 (save $55)

- LEVOIT Essential Oil Diffuser $25 (save $5)

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Want to Fall Asleep Faster? Try This Breathing Technique

Andrea Piacquadio, Pexels
Andrea Piacquadio, Pexels

Struggling to fall asleep can feel like a hopeless battle. It often seems like the harder you try turning your brain off, the less likely it is to happen. One way to trick yourself into falling asleep fast is finding something to concentrate on other than how long you've been awake. For nights when your thoughts just won't stay quiet, try the 4-7-8 technique.

According to Simplemost, the 4-7-8 breathing method is meant to combat anxiety, restlessness, and other enemies of a good night's sleep. The actual technique is simple: Just inhale for four seconds, hold your breath for seven seconds, and exhale for eight seconds. Like counting sheep, measuring out your breaths gives your brain something to do that isn't obsessing about your hectic day or the day ahead.

Taking slow, deliberate breaths has also been proven to reduce stress. Neurons that influence calmness have been found in the breathing control centers of mouse brains. In humans, deep breathing has long been central to mindfulness practices like yoga and meditation. The 4-7-8 breathing technique functions as both a distraction from your thoughts and a way to combat any anxious sensations that may be keeping you awake.

The next time you find yourself tossing and turning at night, try anywhere between three and eight rounds of this breathing technique to calm your body and mind. And to get the best rest possible, make sure you're settling into the best sleep position for your health.

[h/t Simplemost]