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How Cost Plus Drugs Can Cut Your Prescription Costs by 90%

If you're paying more than $15/month for a generic medication, you're almost certainly overpaying. Cost Plus Drugs has made transparent drug pricing mainstream — and the savings are staggering.

How Cost Plus Drugs Works

The pricing model is simple: manufacturer cost + 15% markup + $5 pharmacy fee + $5.25 shipping. That's it. No insurance middlemen, no PBM markups, no opaque pricing.

Real Price Comparisons

  • **Metformin 500mg** (diabetes): $3.60/month vs. $30–$80 at retail pharmacies
  • **Lisinopril 10mg** (blood pressure): $3.60/month vs. $20–$60 at retail
  • **Atorvastatin 20mg** (cholesterol): $4.20/month vs. $30–$100 at retail
  • **Levothyroxine 50mcg** (thyroid): $4.20/month vs. $15–$45 at retail
  • **Sertraline 50mg** (depression): $4.20/month vs. $25–$80 at retail
  • **Albuterol inhaler** (asthma): $25/month vs. $50–$90 at retail

Pairing with Health Sharing

Health sharing plans typically don't cover routine prescriptions the way insurance formularies do. That's why medication optimization is a key part of the Kailo strategy:

  • **Cost Plus Drugs**: For most generics at $3–$15/month
  • **Sedera $0 Rx Program**: Covers 800+ generic medications at no cost for Sedera members
  • **GoodRx coupons**: For medications not on Cost Plus, GoodRx often saves 50–80% off retail
  • **DPC wholesale pricing**: Many DPC doctors dispense common medications at cost

How to Switch

  • **Step 1**: Search your medications on costplusdrugs.com to see pricing
  • **Step 2**: Ask your DPC doctor (or current physician) to send prescriptions to Cost Plus Drugs
  • **Step 3**: Cost Plus ships medications directly to your door
  • **Step 4**: For medications not available on Cost Plus, check GoodRx or ask your DPC about wholesale pricing

When Insurance Is Still Better for Rx

If you take specialty or biologic medications (like Humira, insulin pumps, or cancer drugs), traditional insurance or ACA coverage is usually the better choice. These medications can cost thousands per month, and insurance negotiated rates bring them down significantly.

That's why our hybrid path exists — DPC for primary care + ACA HDHP for specialist and prescription coverage + HSA for tax savings.

This article is for educational purposes only. Always consult your physician before making changes to your medications.