I’m on a similar expensive (per sticker price) medication. After insurance pays a few thousand, they leave me with a $6,000 bill. But I’m on the manufacturer’s discount plan so I actually only pay $5. However, my insurance still thinks I paid $6,000 out of pocket, which very quickly eats up my deductible for the year.

It feels wildly perverse. I’m incentivized to purchase this “expensive” medication once or twice and then the cost of all of my medical care the rest of the year is negligible.