The Insurance company is billed some ungodly amount, and my copay is small or $0.
There has to be some financial shenanigans going on: someone is marking up the price, and writing it off to some reasonable level for some benefit. It's not sustainable to the insurer or the insured to be paying these kinds of prices for what amounts to a 'forever' medication.
The stress of maintaining the discount programs, induces quite a bit of anxiety.