Mark Cuban Cost Plus Drug Company Enters the Telehealth Arena for Generic GLP-1s

On June 17, 2025, Mark Cuban Cost Plus Drug Company PBC announced a collaboration with a telehealth company known as 9amHealth (see the press release at https://www.prnewswire.com/news-releases/mark-cuban-cost-plus-drug-company-pbc-and-9amhealth-join-forces-to-expand-access-to-affordable-obesity-care-302482628.html, and one article at https://www.fiercehealthcare.com/payers/mark-cubans-cost-plus-drugs-partners-virtual-obesity-clinic for more details). It is worth acknowledging that 9amHealth is a startup begun Frank Westermann and Anton Kittelberger, and as FierceHealthcare documented, both of those guys happen live with Type 1 diabetes themselves even though their business is primarily focused on T2D and obesity. 9amHealth's services are anything but cheap; membership costs $149 per month, which is why the Mark Cuban Cost Plus Drug Company/9amHealth telehealth collaboration will initially focus on employers.

You may recall that STAT News reported back in October 2024 (the article is behind a paywall, but if you have access, visit https://www.statnews.com/2024/10/17/telehealth-online-compounded-glp1-prescriptions-medical-groups/ for more) that "sketchy" telehealth firms were responsible for a vast majority of the GLP-1 prescriptions. Not surprisingly, all of those prescriptions have been for the newest, most expensive GLP-1 products, never for less costly generic products (as I write this, the U.S. Food and Drug Administration [FDA] has approved three generic GLP-1 medicines, all of which are for the drug known generically as liraglutide [fka Victoza/Saxenda]). You may also recall that I blogged that researchers from Cedars-Sinai Medical Center in Los Angeles showed an overwhelming majority of those GLP-1 prescriptions were for weight-loss instead of for Type 2 diabetes. Regardless, being denied access to less-costly GLP-1s whether for T2D or obesity is an issue, which is why the Mark Cuban Cost Plus Drug Company PBC/9amHealth could potentially be disruptive.

Teva Pharmaceuticals introduced the first generic GLP-1 on June 24, 2024 (I blogged about that at https://blog.sstrumello.com/2024/07/tevas-biosimilar-of-liraglutide-will-be.html). However, I discovered that most of the same companies which are working on bringing biosimilar insulins to market all also have generic versions of liraglutide pending approval decisions. Teva's copy of Victoza was followed by another copy from Hikma Pharmaceuticals USA, which was approved on December 23, 2024 and then another copy from Meitheal Pharmaceuticals on April 3, 2025 (catch my coverage of those at https://blog.sstrumello.com/2024/12/fda-approves-second-generic-glp-1.html for more). More copies of liraglutide from Biocon, Sandoz, Amphastar Pharmaceuticals, and Lannett Company are known to be in development.

There are a few items worth pointing out. 

First, these are hardly the only generics, these are merely the first ones to receive FDA approvals. But a bunch more copies now await approval decisions, and with each new generic to hit the market, prices tend to fall even further. The initial discounts were modest at best, so the more that come to market, the more prices are expected to fall.

Second, it is worth acknowledging that the first three copies of liraglutide are currently only approved for the treatment of Type 2 diabetes (fka Victoza). Just as Novo Nordisk did originally, the generics companies will need to successfully apply for an FDA "label extension" for the indication of obesity without Type 2 diabetes (fka Saxenda). Those label extensions have not yet happened, but are widely expected to happen. That's when the real gold-rush on less costly generic products is anticipated to start.

Nevertheless, the Mark Cuban Cost Plus Drug Company/9amHealth collaboration is a new dynamic which should likely send shivers down the spines of executives working in Bagsværd, Denmark where Novo Nordisk is headquartered. The reason is because a generic GLP-1 suddenly has a telehealth entity which can prescribe the generic product as freely as the overpriced branded drugs do, opening access to a much wider audience. That part was never in Novo Nordisk's business plan.

You might also recall that Novo Nordisk's CEO Lars Fruergaard Jørgensen was recently asked to step down (he was essentially fired, although the company Board of Directors instead asked for him to comply with their request that he leaves, or else they would terminate his employment for him, see https://www.fiercepharma.com/pharma/novo-part-ways-longtime-ceo-lars-fruergaard-jorgensen-citing-weight-market-pressures for more). Although the articles on Jørgensen's termination cited competitive pressures in the obesity drug market, that really wasn't the whole story at all.

Novo Nordisk is currently paying big Pharmacy Benefit Managers (PBMs) billions of dollars for "formulary exclusion" of all competing GLP-1 products, which also includes cheaper generics. 

Ironically, it was because of magnitude of Novo Nordisk's U.S. rebating practices to PBMs for insulin that Mr. Jørgensen's predecessor named Lars Rebien Sørensen, who "retired" in 2016, leaving behind shareholder litigation over the magnitude of the company's exposure to legally-exempted rebate kickbacks paid for "formulary exclusion" of all competing insulin products. Novo Nordisk quietly settled that lawsuit out-of-court without admission of any wrongdoing (see https://www.bloomberg.com/news/articles/2017-04-28/novo-nordisk-is-sued-over-diabetes-drug-sales-practices for more). Sadly, Mr. Sørensen's successor Mr. Jørgensen not only doubled-down on those kickbacks, but he actually accelerated them, except the bribes were no longer being paid on the insulin therapeutic class of drugs, but on GLP-1s instead (as if that made the practice any different?).

Perhaps it's not at all surprising that Lars Fruergaard Jørgensen got himself fired. He repeated the same ethically-challenged business practices as his predecessor, while he also accelerated those practices. But this post is not about the weakness of Novo Nordisk corporate executives or their lack of ethics. Instead, it is about a marketplace disruptor known as Mark Cuban and his Cost Plus Drug Company deploying the very tactic which sent Wegovy/Ozempic U.S. sales through the roof: telehealth prescribers and suddenly the ability to do this for a cheaper generic product. I've addressed Mark Cuban Cost Plus Drug Company as a disruptive force in the pharmaceutical industry in several previous posts, including the following:

• https://blog.sstrumello.com/2022/10/podcast-recommendation-global-healthy_21.html,
• https://blog.sstrumello.com/2022/10/podcast-episde-recommendation-twist.html,
• https://blog.sstrumello.com/2023/02/mark-cuban-cost-plus-drug-company.html,
• https://blog.sstrumello.com/2023/04/podcast-episode-recommendation-pulse-by.html, 
• https://blog.sstrumello.com/2025/03/sanofi-gets-creative-now-that-pbm.html, 
• https://blog.sstrumello.com/2025/05/cvs-caremarks-preferred-brand-switch.html

While Mark Cuban Cost Plus Drug Company has partnered with a telehealth company of its own and will target employer organizations as a way for them to slash their costs on GLP-1s as obesity drugs, there is now little which would stop an enterprising company from establishing a mail-order business to sell less costly versions of Saxenda. But telehealth is a key to making it happen. 

That ought to make executives in Bagsværd justifiably nervous (and deservedly so). 

CMS Medicare No Longer Covering Fingerstick Test Strips for CGM Users, But Policy Can (and Should) Be Rescinded

Integrated Diabetes Services (IDS), which if you're unfamiliar with it, is an organization dedicated to coaching and management services for people with diabetes (either in-person in its suburban Philadelphia office in the Main Line town of Wynnewood, or remotely via phone or the internet, was started by CDE Gary Scheiner. Gary has been one of the most recognized CDE's in the country for many years. Anyway, his organization recently published on a blog post entitled "'Buy-Buy' Test Strips for CGM Users" which I encourage you to read at https://integrateddiabetes.com/cms-has-stopped-covering-meters-strips-for-cgm-users/ which addressed how CMS (the Centers for Medicare and Medicaid Services, which runs Medicare and also helps states implement Medicaid, on May 13, 2022 proposed a policy (see https://www.cms.gov/files/document/cms-1738-r.pdf) whereby Medicare will no longer be covering traditional fingerstick blood glucose testing supplies (strips) for Continuous Glucose Monitor (CGM) users. The thing is that CMS never announced this policy change in the Federal Register. Regardless, that policy is now in effect. But what it portends for those covered by commercial health insurance policies is what we need to beware of.

Medicare already had fairly miserly coverage of traditional test strips, but at least they previously covered them for CGM users. Now, CMS has rescinded a previous decision to cover them. Effective as of January 1, 2025, CMS (the organization that administers Medicare and Medicaid) ruled that all users of FDA-approved CGM devices classified as "non-adjunctive" (not requiring fingerstick confirmation) were not eligible for coverage of fingerstick Blood Glucose (BG) monitors and test strips.

The thing is that this is not exactly what the U.S. Food and Drug Administration has determined for CGMs. Technically, CGMs are not designed to replace fingerstick testing outside of a hospital setting. That means that FDA still believes fingerstick tests are required for CGM users unless the patient is checked-in to a hospital where there are nurses around who can treat patients for hypoglycemia if the patient is unable treat a low for themself. Specifically, FDA determined that "Non-adjunctive CGM usage was for in-hospital sites, allowing BG levels to be monitored from a central nurses' station backed up with ancillary resources." However, "out-of-hospital sites usually lack ancillary resources except EMT vehicles.  Ancillary resources represent 'proven workarounds'". 

But more troubling (at least to me) aspect of this was the following observation IDS made about what this CMS determination will likely mean for patients who are covered by commercial healthcare insurance plans. Specifically, in the fourth paragraph, IDS wrote:

"This ruling most likely will be promulgated to all health plans."

This should terrify people. As IDS opens its article: 

T1D is a numbers game. Run out of numbers, and the game is over. Diabetes, by its very nature, is an ever-changing condition, honed through experimentation – much like parachuting. Jumping with a failed main chute and no functional reserve chute is unlikely to produce anything good.

Not only is Medicare not covering strips for people who arguably need coverage of at least some test strips, but this will be a convenient excuse for people covered by employer-sponsored healthcare insurance plans to stop covering test strips for patients who use CGMs as well.

Now, while the CMS policy is already now in place (unless that failed policy is rescinded, which it should be) it has not (yet) been adopted by commercial healthcare insurance plans, but it is safe to assume that it will be as soon as United Healthcare, Cigna and Aetna can do so. That is, unless we intervene. And we must!

IDS recommends that you immediately contact your Congressman/woman and both of your Senators to withdraw this errant policy issue, cancel, correct, revise [or burn] this CMS ruling 1738-r in order to restore Blood Glucose Meter (BGM) coverage and test strips when using a non-adjunctive CGM for out-of-hospital settings so we can all rest easier at 03:00 AM.

In the interim, for anyone adversely impacted by this CMS policy, my recommendation is as follows. Since November 14, 2022, Mark Cuban Cost Plus Drug Company has sold Roche Accu-Chek testing supplies at cost plus a markup of 15% and a distribution fee. I blogged about how my insurance company recently notified me it was switching to Accu-Chek as its "preferred" test strip brand in a recent blog post found at https://blog.sstrumello.com/2025/05/cvs-caremarks-preferred-brand-switch.html. I also blogged about how I recommend people choose the Accu-Chek "Guide" meter which is slightly more expensive than the "Guide Me" meter, but features a lighted test strip port and backlit display instead of guidance of what the meter readings might mean (which is far more helpful for newly-diagnosed patients) rather than a lighted test strip port, which I find more helpful.

The Mark Cuban Cost Plus Drug Company cost for a package of 50 test strips is currently $18.79, or $0.38 per test strip. That's not the least costly price for test strips which can be found anywhere, but it's also not excessively overpriced as retail prices for testing supplies often are; rather it is a fair price for branded test strips. Those prices are available via its mail-order (and there is no maximum quantity even while the website has a maximum of 3 vials of 50 strips, if you doctor prescribes more for you, they will mail you more. Also, know about something called the Team Cuban Card which enables patients to visit local pharmacies affiliated with Mark Cuban Cost Plus Drug Company (most are based in big supermarket chains which still operate pharmacies in-store). That's an option where you can take a printed prescription in-store and pick the supplies up at a local pharmacy and receive the Mark Cuban Cost Plus Drug Company price.

CVS Caremark's Preferred Brand Switch from OneTouch to Accu-Chek in 2025

I recently received notice from Aetna (the insurance company which is owned by CVS Health) that on July 1, 2025, its Pharmacy Benefit Manager (PBM) known as CVS Caremark was making some changes to the drugs covered under its pharmacy benefits plan (specifically for the formulary known as Advanced Control Plan-Aetna). However, because I live in New York State, it also means those drug coverage changes will not affect me personally until my plan's actual renewal date, which is on June 1, 2026. By that time, my insurance carrier may have changed anyway. 

CVS Caremark lost its rein as the biggest PBM to rival Cigna's Express Scripts this year. The reason is because in 2025, CVS Caremark lost Centene as a major insurance client (to Cigna's Express Scripts). That loss contributed to Express Scripts (see https://www.drugchannels.net/2025/03/the-top-pharmacy-benefit-managers-of.html for more on that market-share switch among PBMs) overtaking Caremark in PBM market share (it doesn't take much to change rankings given how consolidated the PBM industry is). 

For me, the most notable among the changes in the Advanced Control Plan-Aetna formulary is that OneTouch-branded blood glucose testing supplies (including either Verio or Ultra test strips; the Lifescan business selling the OneTouch brand of testing supplies has been owned by the private equity firm known as Platinum Equity since 2018) are being reclassified by Caremark as "Non-formulary; not covered" and instead, Caremark will instead "prefer" Roche Accu-Chek testing supplies instead. This is not the first time Aetna/CVS Caremark has "preferred" Accu-Chek blood glucose testing supplies; that was also true in 2021 when I was also covered by Aetna. But over the years, I've been regularly non-medically switched by PBMs to different brands of testing supplies, as well as different brands of insulin. Insulin changes are a major pain in the @$$, but testing supply changes are less of a hassle. As a result, the switches have been less intrusive as they once were as I already have meters for all the major brands. All I need is fresh batteries for the old meter, and voila: I'm ready.

But one other element which is worth acknowledging is that on November 14, 2022, as part of a partnership with Roche Diabetes Care (see the announcement at https://www.accu-chek.com/news/roche-and-mark-cuban-cost-plus-drug-company-team-deliver-affordable-access-diabetes-testing for details), the Mark Cuban Cost Plus Drug Company started carrying Accu-Chek diabetes testing supplies. Most of Mark Cuban Cost Plus Drug Company's major pharmacy retailers in its network are with supermarket chains which still operate pharmacies in-store (and there happens to be one which is not really too far away from me, although I am also OK with mail order to acquire testing supplies, just not so much on insulin; as insulin shipments are sometimes known to sit in very hot 100+ degree or literally freezing warehouses for several days and those extreme temperatures can literally destroy insulin). The Cost Plus Drug Company partnership also means I'll be able to use preferred formulary brand products, but I'll be able to buy them for cash for much less money until my deductible has been satisfied.

I have also discovered that even when PBMs switch their "preferred" brands but there are some unique state law exemptions (as is my case), although the PBM is often more-than-happy if a patient actually switches to the PBM's new "preferred" brands. On test strips, it really does not really matter very much to me, and Roche Accu-Chek has a few different meters (along with test strips for each) which would be covered, but my preference is to use the Accu-Chek "Guide" system (as opposed to the default "Guide Me" meter which costs the PBM about half as much money) because the "Guide" meter features a lighted test strip port & backlit display, making it more convenient to test in low-light situations, and the screen which shows the reading is illuminated.

Of course, the cases for the Accu-Chek "Guide" meter are made of flimsy nylon, but they are also small that they take-up considerably less space in the bag I carry around. On the upside: one nice thing is the package for Accu-Chek Guide test strips is easier for patients to remove test strips from the package they come in, so that's a plus. That was the result of a conversation Roche had with patients (including me) with the company back in 2009 (catch my coverage of that at https://blog.sstrumello.com/2009/07/my-spin-on-roche-summit.html). I never thought much would come from those conversations, and yet this is a concrete example that the company actually listened to patients at the event!

Another thing which occurred at the Roche-patient meetings was the realization among company executives that the rebate-contracting sales model promoted by the big PBMs was actually harming patients. Apparently, that realization led to the aforementioned Roche-Mark Cuban Cost Plus Drug Company initiative.

Of course, the consolidated commercial healthcare insurance companies and the PBMs they own and operate are doing their own thing, often at the expense of patients, for example, in its most recent announcement, CVS Caremark reclassified many generic drugs as "specialty" pharmaceuticals when there is nothing which is special about those cheap generic drugs. The U.S. Federal Trade Commission Second Interim Report on PBM Business Practices documented that sleazy PBM practice. The good news is that for some of those drugs, patients can easily buy them for cash at prices which are more than 1000% LESS than CVS Caremark's Specialty Pharmacy charges. A great example is the prostate cancer drug known as Abiraterone Acetate (the generic for Zytiga). A report by HealthUnlocked cited one patient's experience where their insurance was charged $9,650 per month for generic Abiraterone Acetate through CVS Caremark's "Specialty" Pharmacy. Not ironically, that same drug also happens to be the first drug ever sold by Civica (the same company working on bringing biosmilar insulins to market). By comparison, Mark Cuban Cost Plus Drug Company charges just $51 for the exact same medication (Abiraterone Acetate). The FTC is now suing CVS Health (as well as United Healthcare-OptumRx and Cigna-Evernorth/Express Scripts) over these corrupt business practices, although as I documented, the case is currently "on hold" until there is a quorum of judges who can rule on the case.

Note that the outer package of Accu-Chek test strips sold by Mark Cuban Cost Plus Drug Company says "Not for Pharmacy Benefit or Over-the-Counter Transactions" in a yellow box at the bottom. The outer box has changed color recently but the contents are no different (on the label which says "Not for Pharmacy Benefit or Over-the-Counter Transactions," my response is: "who cares?"): 

 

For me, the change in the PBM's preferred test strip brand is a minor inconvenience. Because I have struggled to get a prior authorization for a larger quantity of test strips for longer than 6 months with Aetna (less of a hassle with United Healthcare and Cigna), I have already been bypassing insurance to buy Accu-Chek testing supplies anyway. But such routine non-medical switching has become an annoyance. Fortunately, I've dealt with it previously and know the game better than CVS Caremark at this point.

My Prediction About Abbott Libre FORCING Dexcom to Introduce a Longer-Wearing CGM Sensor Was Right

It's nice when my predictions prove correct. One example: following the ADA 84th Scientific Sessions in 2024, I made a prediction (see https://blog.sstrumello.com/2024/07/abbotts-freestyle-libre-3-plus-may-push.html for more on my prediction) that Abbott's move to increase wear-time on its sensors would force Dexcom to respond with a longer-wearing CGM sensor of its own, and that's now happened. 

I surmised that based on the fact that Abbott (which makes the Freestyle Libre CGM system) introduced a longer-wearing FreeStyle Libre 3 Plus which lasts for 15 days (as opposed to only 14 days on Libre 3 sensor), substantiated by hints from Dexcom CEO Kevin Sayer that Dexcom was working towards a longer-wearing G7 sensor, although he cited issues with the adhesive lasting long enough to ensure its 15-day G7 Plus sensor lasts its entire useful life as the reason for not doing so when the G7 launched. However, remember that Dexcom's G7 and Stelo use the exact same CGM sensor, only the wear-time for Stelo was already 15 days versus a mere 10 days for the regular Dexcom G7, hence I was calling Kevin Sayer out for a misleading statement. It had more to do with milking as much cash out of the shorter 10-day G7 sensors for the financial benefit of Dexcom shareholders. But the competition from Abbott eventually forced Dexcom to respond with a longer-wearing sensor of its own.

Last week [on April 10, 2025], Dexcom announced it received FDA approval (see the press release at https://www.businesswire.com/news/home/20250410304660/en/Dexcom-G7-15-Day-Receives-FDA-Clearance-the-Longest-Lasting-Wearable-and-Most-Accurate-CGM-System) for a new, longer-lasting Dexcom G7 15 Day sensor. The consensus among patients I have spoken with is that longer wear-time was the least Dexcom could do for patients given how erroneous the first day of each Dexcom G7 sensors actually are. Many are still concerned about the longevity of the sensor adhesive (Skin-Tac adhesive, anyone?) and the fact that Dexcom weighs more than Libre so the sensors are less likely to last for the full 15 days than Abbott Libre 3 Plus sensors are to last is also an issue.

To be sure, the Dexcom G7 15 Day sensor is still no longer than Abbott's Freestyle Libre 3 Plus sensor. But it is an improvement of the longevity on Dexcom's regular G7 CGM sensor which has a miserly 10-day wear-time. As for the accuracy claims made in Dexcom's G7 Plus press release, those are bogus, or at best, misleading.

MARD (the acronym for Mean Absolute Relative Difference) is a widely used metric for CGM accuracy, but its lack of standardization has led to significant concerns. The primary critique revolves around the fact that different CGM manufacturers calculate MARD using varying [different] methodologies, making direct comparisons of accuracy between CGM devices unreliable at best.

Some key issues include:

• Variability in Reference Measurements: Manufacturers may use different reference glucose measurements (e.g., venous plasma, capillary blood, or laboratory-calibrated values), which can affect the reported MARD.
  
  
• Differences in Time Matching: The timing of CGM readings compared to reference values can vary, leading to inconsistencies in accuracy assessments.
  
  
• Data Selection Bias: Some manufacturers may exclude outlier data or use specific subsets of readings to improve their reported MARD, making it appear more favorable than it would be in real-world conditions.
  
  
• Lack of Regulatory Standardization: Since the FDA does not enforce a universal calculation method, manufacturers have flexibility in how they report MARD, leading to discrepancies in accuracy claims.

For more background on the critical assessments of Mean Absolute Relative Difference (MARD) as it is currently used by the U.S. Food and Drug Administration, please refer to:

• https://diabetesjournals.org/care/article/46/10/1825/153465/Real-world-Accuracy-of-CGM-in-Inpatient-Critical 
  
  
• https://diabetesjournals.org/spectrum/article/35/4/405/147875/The-Devil-Is-in-the-Details-Use-Limitations-as 
  
  
• https://diabetesjournals.org/care/article/48/2/259/157542/Continuous-Glucose-Monitor-Accuracy-for-Diabetes 

The critique has led to some calls for more standardized accuracy metrics, such as the Clarke Error Grid or Consensus Error Grid, which might provide a more clinically relevant assessment of CGM performance over MARD.

Anyway, on price, Dexcom's 15-day G7 sensor means patient out-of-pocket costs will be coming down. Given erroneous first day readings many patients experience on the G7, in reality, the longer-wearing sensor gives patients more like 14 days of sensor usage rather than 15 days.

Still, it's nice when my predictions are proven correct, as mine was when Abbott introduced a longer-wearing CGM sensor, which forced competitor Dexcom to match it. Patients may still prefer Abbott's Libre 3 Plus over Dexcom's G7 Plus. Not only is Abbott Freestyle Libre 3 Plus smaller in size than Dexcom G7 Plus, but Libre 3 Plus provides 1440 new readings each day compared to a mere 288 new readings with Dexcom G7 Plus. The one downside with Libre is no calibrations although Dexcom pretty much ignores the calibrations anyway. Better to have more readings IMHO. With manufacturer coupons (which I covered at https://blog.sstrumello.com/2023/12/abbott-gets-real-about-formulary.html for more information) means that it really does come down to patient preference for which CGM better meets their needs.

Increasingly, many patients are choosing Abbott rather than Dexcom to due Abbott Libre's unique product advantages. That, combined with third-party apps enabling Libre 3 Plus readings such as Sweet Dreams – Sugar Tracker on Apple Watch (see my coverage at https://blog.sstrumello.com/2024/05/get-abbott-freestyle-libre-3-readings.html for more about that) means that Dexcom's longstanding market dominance does not look so well-protected anymore. 

Stocking Up On Artificially-Inflated Diabetes Supplies Ahead of Travel in 2025

In 2025, I will be traveling to East Asia (separately, I'm also going to Europe for a shorter visit at a different time in 2025) for a few weeks. Because it is going to be an extended visit so far from home, that will necessitate me packing a lot of diabetes supplies to take with me. To ensure that I have the diabetes supplies for the duration of my trip, that requires some advance planning. But I don't expect my insurance company's Pharmacy Benefit Manager (PBM) to be helpful at all.

The good news is that insulin will be the easy part, and the reason is because all of the big insulin makers have effectively abandoned the rebate-contracting sales model for insulin, meaning U.S. list prices for insulins are falling (after rising inexplicably for more than a decade) quite unlike most other prescription drug classes. While purchase quantity limits represents a potential problem, I plan to ask my endocrinologist to write me another script (or two), and I can then fill those scripts at different pharmacies and use manufacturer coupons, hence the quantity limit ordinarily imposed by my insurance company's PBM might not represent a problem I might have encountered in the recent past.

Dexcom first began selling its products through U.S. retail pharmacies back in 2018, and it expanded its sales via the pharmacy (as opposed to Durable Medical Equipment or "DME") sales channel until most of its sales were made via retail pharmacies which occurred around 2020. Along with that, the company also began paying the big PBMs legally-exempt rebate kickbacks which were contingent upon "formulary-exclusion" of any and all competing CGMs sold via retail pharmacies (which essentially means that Dexcom is the "preferred" CGM brand, while Abbott's Freestyle Libre CGM systems are explicitly excluded from Aetna and United Healthcare preferred drug formularies, which are managed by the PBMs known as Caremark and OptumRx respectively). But I think I have found an effective work-around for that and I intend to use that to bypass insurance to stock up on diabetes supplies.

Aside from insulin, here's my plan to stock-up on Dexcom G6 CGMs.

Dexcom has a manufacturer coupon (for the G6/G7 model, it can be accessed at https://www.dexcom.com/savings-center-cgm-without-insurance where a coupon to save up to $200/month on both G6 sensors and G6 transmitters. The coupon can be downloaded at https://dexcompdf.s3.us-west-2.amazonaws.com/g7-g6-cash-pay-tearpad.pdf. Of course, finding the lowest price on Dexcom G6 sensors (and transmitters) also still matters, because the lower the retail price for sensor, the lower the patients' out-of-pocket costs will be. And I have found that Costco Pharmacy appears to have some of the most competitive prices on Dexcom G6 sensors (and transmitters). Costco Pharmacy has an online tool to check prescription prices online which can be found at https://www.costco.com/cmpp and that tool is helpful to understand the cash prices for many prescriptions (including CGM sensors).

Costco's Member Prescription Program ("CMPP") price for Dexcom G6 Sensor (1 box containing 3 sensors in each box) is (as I write this) currently priced at $195.19 which works out to a price of $65.06 for each Dexcom G6 sensor. Once a prescription has been filled at Costco's in-store pharmacy, patients do have the option to refill their prescriptions by using Costco's Rx Home Delivery service which saves the patient the time-consuming hassle of driving to Costco and finding a parking space for routine prescription refills. Costco's Rx Home Delivery service charges an additional $2 for shipping/handling over the in-store price for filling a script at the in-store pharmacy, hence the cost for a box of three G6 sensors by Costco Rx Home Delivery would be $197.19 which works out to a price $65.73 for each G6 sensor. But that spares the patient the hassle of going into a crowded Costco location, finding a parking space and waiting in a long queue.

By comparison, rival CGM manufacturer Abbott also has a cash-pay manufacturer coupon as well. I blogged about that at https://blog.sstrumello.com/2023/12/abbott-gets-real-about-formulary.html. The Freestyle Libre 3 sensors are sold individually at a price of $68.32/sensor, or marginally more costly than Dexcom's price of around $65.73/sensor, but the real differential is how long can each CGM sensor be worn? That is where Abbott's Freestyle Libre 3 is vastly cheaper because those sensors can be worn for 14 days compared to just 10 days for each Dexcom G6 sensor. That means the cost per day of usage is $6.73 with Dexcom G6, while it is just $4.88 per day of usage on Libre 3 due to Libre's longer wear-time. And, don't overlook the not-so-little fact that the newer Libre 3 Plus can be worn for 15 days, which effectively cut prices on CGM sensors even further. So far, I do not see the Libre 3 Plus prices at Costco listed right now.

But remember how I mentioned that Dexcom offers a manufacturer coupon for up to $200/month for sensors and transmitters on the G6 model? That means I can get the CGM sensors covered for next to nothing [ideally], but certainly no more than I would pay with insurance. Which is weird. It means in addition to the sensors which my own insurance company's PBM is covering (at least partially; my plan covers about 37% of the cost prior to me having satisfied my annual deductible). In other words, I can keep using my Dexcom G6 sensors using my insurance at one pharmacy, while concurrently buying G6 sensors at Costco Pharmacy using a manufacturer coupon to pack with me on my upcoming trip to Asia.

For me, the only wildcard will be fingerstick blood glucose test strips. I have bought Accu-Chek Guide test strips from Mark Cuban Cost Plus Drugs for $18.79 per box of 50 test strips which is not too bad. I filled one script at Cost Plus Drugs last year, but did not fill it again because I had already satisfied my deductible and insurance picked up the tab after that. However, that is not necessarily the lowest price I've ever seen for test strips. My old OneTouch Ultra meter is still working, and I have bought generic UniStrip1 test strips for that meter which can be purchased for an even lower price, so we'll see what I decide to do on those.  

Sanofi Gets Creative Now That the PBM Kickback Scheme for Insulin is Dead

Look for Sanofi Insulins at Mark Cuban Cost Plus Drug Company Retail Store Partners Soon

Sanofi Aventis LLC, which is the U.S. division of the global pharmaceutical company Sanofi S.A. which happens to be headquartered in France and sells several insulin varieties in the U.S., has struggled to compete in the U.S. insulin business. For many years, Lantus was generating an overwhelming majority of the company's insulin revenues with its other products generating little sales in the U.S. That was the result of a very conscious business decision which the company had made more than 20 years ago. Now, Sanofi may be reconsidering that flawed decision.

Recall that back on March 4, 2020, on the front page of the Marketplace section of the Wall Street Journal, Sanofi cried to reporter Denise Roland that the realized price it received for its insulin had fallen, on average just over 11% in 2019, including the massive legally-exempt "rebate" kickbacks which it pays to insurers and their Pharmacy Benefit Managers (PBMs) for formulary placement (for reference see "Sanofi, Fighting Back in Insulin Price Debate, Says Its Net Prices Fell 11%" By Denise Roland, Wall Street Journal, March 4, 2020, https://www.wsj.com/articles/sanofi-fighting-back-in-insulin-price-debate-says-its-net-prices-fell-11-11583340721 [the article may be hidden behind a paywall]). However, at the time, Sanofi had effectively abandoned all marketing of prandial insulins including its proprietary rapid-acting Apidra product which received FDA approval in 2004, plus Sanofi's copy of Lilly's Humalog insulin lispro product which it had branded as Admelog. 

Sanofi's Lantus sales addiction was so major that in 2015, Sanofi introduced a very high concentration version of glargine in 300 units/mL potency which it branded as Toujeo; a product which was aimed primarily at patients with clinical insulin resistant Type 2 diabetes. However, to its credit, Sanofi did give the high-potency version a unique trade-name which I think does a better job of minimizing risk of pharmacy and patient errors. The same is NOT true for Novo Nordisk's Tresiba, or Lilly's Humalog, which have been quietly introducing high-concentration versions (U-200 and U-300) under the same brand names.

In other words, Sanofi had really put all of its eggs in the Lantus/Toujeo insulin basket. In fact, one could argue that Sanofi only introduced Admelog in the U.S. as retribution against Lilly for introducing Basaglar a year earlier (Basaglar was Lilly's first copy of Sanofi's Lantus which was approved in 2016 as a "follow-on" biologic; Lilly subsequently introduced a second copy of Lantus it calls Rezvoglar which was approved by FDA in 2022 as a biosimilar, which then went on to attain the FDA "interchangeable" designation on November 18, 2022). In spite of an early, promising start to Admelog sales (which was enabled largely by the company's $35/vial manufacturer coupons which remain available, although Admelog sales stopped growing once Lilly further cut prices of its own unbranded Insulin Lispro Injection product by an additional 40%), the PBM demands for rebates had kind of curtailed Admelog sales growth after 2022.

In 2022, Sanofi eventually joined Lilly and Novo Nordisk's move which had started back in 2019 when they each introduced "unbranded" versions of their bestselling insulin products as a way to counteract the PBM price inflation when Sanofi introduced Winthrop by Sanofi Insulin Glargine Injection (rDNA origin, 100 units/mL) in 2022. I blogged about that when it happened, see my post at https://blog.sstrumello.com/2022/06/sanofi-joins-ranks-of-35vial-insulin.html for more). That product was more than 70% cheaper than brand-name Lantus. However, note that Lilly and Biocon's copies of Lantus are merely the first few copies of Lantus to hit the market. A whole bunch more copies of Lantus from Sandoz, Amphastar Pharmaceuticals, Lannett Company, Civica's CivicaScript unit, and a few years from now, another from Meitheal Pharmaceuticals are all expected to potentially hit the market, which would render insulin glargine as the most-copied insulin in the U.S. when all of the dust settles. That would mean that insulin glargine products from different manufacturers could soon become commoditized where lowest price wins. I would not be surprised if we could someday see private-label versions of insulins sold under the CVS, Walgreens or even Kroger Pharmacy retailer names when so much competition exists.

Of course, in March 2024, Lilly, Novo Nordisk and Sanofi all collectively announced they would be abandoning the rebate-contracting sales model promoted by the major PBMs for the insulin therapeutic class of drugs, and each has slashed the list prices on their top selling insulins by more than 70%. In Germany, where Sanofi's insulin began shortly after the discovery of insulin made by a company then known as Hoechst (years later, Sanofi would acquire the Canadian innovator of insulin known as Connaught Laboratories), it also sold a line of biosynthetic "human" insulins under the brand-name "Insuman", although it never sold Regular or Isophane/NPH in the U.S. because Lantus had become its sole revenue-generator. The Insuman brand of insulin products was discontinued in the UK market in 2023, although it may still exist in Germany and Austria.

Naturally, Sanofi's basal insulins including Lantus, and its unbranded version of Lantus sold by its Winthrop business unit called Insulin Glargine Injection 100 units/mL, as well as a very high concentration version of glargine in 300 units/mL potency branded as Toujeo remain for sale. But on the prandial insulin front, Sanofi still sells its proprietary Apidra (insulin glulisine, 100 units/mL) which has been FDA approved since 2004, but it also sells its copy of Lilly's Humalog (insulin lispro, 100 units/mL) which was approved as a follow-on biologic on December 11, 2017, and most recently, on February 14, 2025 Sanofi also received FDA approval to sell a copy of Novolog (insulin aspart, 100 units/mL) which was approved as a biosimilar (catch my coverage at https://blog.sstrumello.com/2025/02/fda-approves-merilog-insulin-aspart.html for more). But with the addition of Sanofi's prandial insulin Apidra (insulin glulisine, 100 units/mL), that means Sanofi is the only insulin manufacturer which sells all prandial insulin molecules on the market (FYI, newer prandial insulins including Fiasp and Lyumjev have slightly expedited AMDE profiles thanks to additions made to the insulins' buffer solutions, but are not new insulin molecules).

This also means that for the moment, Sanofi is the only insulin manufacturer which sells insulin glargine, glulisine, lispro and aspart. In other words, Sanofi is the only manufacturer who currently makes and sells every prandial insulin molecule except for Regular in the U.S. Note that next-generation prandial insulins including Novo Nordisk's Fiasp (the name is an acronym for "Faster Insulin Aspart") is essentially Novolog with the addition of Niacinamide [vitamin B3] added to the buffer solution, while Lilly's next-generation prandial insulin branded as Lyumjev is insulin lispro (Humalog) with the addition of citrate and treprostinil in the buffer solution. In other words, neither Fiasp nor Lyumjev are fundamentally new insulin molecules, just slightly expedited ADME profiles thanks to some additives included in the liquid. That's also why those products are really not too much faster than the originals.

However, the fact that Sanofi even applied for FDA approval to sell a copy of Novolog (branded as Merilog) suggests that Sanofi views business opportunity in biosimilar insulins. In Europe, biosimilars are a major part of Sanofi's insulin sales, and evidently, the company sees the same potential in the U.S. In some ways, it was a learning experience to understand how applying for a biosimilar is approved with the FDA compared to the old approval method.

Lilly has done the exact same thing since biosimilars became a thing when its second copy of Sanofi's Lantus branded as Rezvoglar hit the market on April 1, 2023. Novo Nordisk is the only major insulin supplier which has yet to introduce any biosimilars, hence that company has no experience with the comparatively new approval process at the U.S. Food and Drug Administration (FDA).

It now looks as if Sanofi is also about to start selling its insulin products via Mark Cuban Cost Plus Drug Company https://www.costplusdrugs.com/medications/ (MCCPDC) with its low prices and fixed, 15% markup. While the website says that Sanofi insulin "isn't currently available on the CostPlus platform", if you search for the names of say Apidra or Lantus, all of the Sanofi insulins now appear. Some may recall that MCCPDC had initiated a trial introduction of Lilly Insulin Lispro (the unbranded version of Humalog), but the trial ended about a year later. I believe that was about the time when it introduced an innovation known as the "Team Cuban Card" https://www.teamcubancard.com/.

MCCPDC has been expanding its retail footprint nationwide via the Team Cuban Card which it says is now accepted at most national grocery chain pharmacies as well as various other independent pharmacies as well. Where I live, that would be my local Stop & Shop Pharmacy. Maybe it's a Kroger Pharmacy near you, or a Safeway Pharmacy, or a Vons Pharmacy or a Ralphs Pharmacy or a Meijer Pharmacy where you happen to live. Team Cuban Card enables patients to get a discount card in their own name (there is no charge, but they require each patient to have their own card), and you can enjoy the lower prices which MCCPDC is known for. Team Cuban Card also enables people to buy their insulin at a local pharmacy without having to rely on shipping via UPS or FedEx, which is often problematic during the summer months when insulin (even with ice-packs in the packaging) can sometimes destroy insulin thanks to packages sitting in warehouses at temperatures of more than 100 degrees Fahrenheit for a number of hours, which can literally cook your insulin before it arrives. Thanks to retail pharmacies deliveries having temperature controls for certain medicines including insulin, the same problem seldom happens on retail pharmacy pick-ups.

FDA Approves Merilog (insulin-aspart-szjj) as First Prandial Insulin Biosimilar Product for Treatment of Diabetes

My followers might recall my groundbreaking January 8, 2007 article (see that at https://blog.sstrumello.com/2007/01/business-of-diabetes-real-story-behind.html for more) which followed a long discovery process which began back in 2006 based upon a very simple question: the patents on biosynthetic insulin had expired, so why did Americans have no generic products to help reduce prices?

As it turned out, the answer was unnecessarily complicated. It was complicated by design from entities who benefitted from not having generic or biosimilar competition. And, I don't mean pharma as such, but from vertically-integrated (with commercial healthcare insurance companies) Pharmacy Benefit Managers (PBMs) who were behind the scenes, demanding ever-larger legally-exempt rebate kickbacks for preferred formulary positioning. Those demands for bigger rebates led to list-price inflation.

There were a variety of other factors involved, including the fact that insulin was the very first-ever biologic medicine which was approved back in 1982, but it had been regulated as a small-molecule "drug" whose manufacture just so happened to be regulated as the manufacture of a biologic medicine. Also, Federal lawmakers had not explicitly legalized copies of biologic medicines until Democrats in Congress (not a single Republican lawmaker voted for it) passed the Biologics Price Competition and Innovation Act (BPCIA) in 2019, which was a key provision of the Patient Protection and Affordable Care Act (aka Obamacare) which explicitly legalized biosimilar medicines in the first place, including outlining of procedures which must be followed by pharma to attain FDA approval.

But beyond that was the uncomfortable reality that FDA policy had still failed to recognize insulins which had originally been approved by FDA as small molecule "drugs" (which were manufactured as biologic medicines) were even eligible for biosimilar competition, and the FDA took nearly a decade after the Patient Protection and Affordable Care Act became law before it finally implemented policies to do that. It was under former Trump FDA Chief Scott Gottlieb that FDA finally did that in spite of being repeatedly prompted by lawmakers to do so, and only because the FDA itself had failed to implement those policies for nearly a decade. On the latter, it is believed that Lilly, Novo Nordisk and Sanofi had quietly encouraged their former colleagues then working at FDA to keep delaying those policies in an effort to prevent any competition from coming to market for as long as possible.

That said, what I originally referred to as "generic" (FDA referred to those "follow-on" biologics, which subsequently became known as biosimilars approved under a slightly different regulatory pathway at FDA) insulins eventually happened anyway. 

Originally, the "follow-on" biologic insulins came to market first because FDA's own dysfunctional policy enabling biosimilars had not yet been formally implemented. Once FDA finally got its $#!+ together and implemented policies required under U.S. law, that finally enabled true biosimilars to come to market.

Which brings me to last week's FDA announcement (see https://www.fda.gov/news-events/press-announcements/fda-approves-first-rapid-acting-insulin-biosimilar-product-treatment-diabetes for the news release) that FDA had officially approved the first biosimilar copy of Novolog (insulin aspart injection, 100 units/mL) to be made by Sanofi Aventis LLC whose trade name will be known as Merilog (insulin aspart-szjj). Observe the color scheme used for Merilog: orange, which is the same color Novo Nordisk uses in boxes containing Novolog.

The FDA package insert (see https://www.accessdata.fda.gov/drugsatfda_docs/label/2025/761325Orig1s000lbl.pdf for the insert itself) and the outer box for Merilog includes proposed images (Sanofi will use the color orange also used by Novo Nordisk for Novolog for the newly-approved Merilog product, rather than the maroon color which it uses for the follow-on biologic branded as Admelog). The image is of the proposed box containing a 10 mL vial. Note how the package indicates that Merilog is a "Product of Germany" meaning Sanofi is importing the product (for the time-being, anyway).

Sanofi already sells a copy of Lilly's Humalog (insulin lispro injection, 100 units/mL) sold under the brand/trade name "Admelog" which was approved by FDA on December 11, 2017 (see the FDA news release on that at https://www.fda.gov/news-events/press-announcements/fda-approves-admelog-first-short-acting-follow-insulin-product-treat-diabetes for more). In 2019, I blogged about my trial of Admelog (which I erroneously referred to as a "biosimilar" instead of a "follow-on biologic", and I found that worked pretty much as Humalog did, without the hassle of adjusting ratios necessitated by switches to other competing prandial insulins like Novolog, Fiasp or Apidra all required.

However, unlike Admelog, Merilog has been approved as a "biosimilar", rather than as a "follow-on biologic" medicine. The differences are that: a) the approval pathway at FDA was different for Admelog vs. Merilog, and b) as a "biosimilar", Sanofi could theoretically later seek a designation as "interchangeable" from FDA which would enable pharmacists to switch to Merilog without the prescribing doctor's permission unless the doctor designates the prescription "Prescribe as Written" or "No Substitution Permitted" on the prescription. The FDA approval of Merilog also brings a long-standing delay at FDA to a close. The FDA had only two previous insulins which were approved as "biosimilar" drugs, specifically Semglee (insulin glargine-yfgn) which was first approved by the FDA in June 2020 (and subsequently received approval as an "interchangeable biosimilar" to innovator Sanofi Lantus on July 28, 2021), and a second copy of Lantus made by Eli Lilly & Company, Inc. which is sold under the trade name Rezvoglar (insulin glargine-aglr) which received FDA approval in December 2021. This means that for three years, FDA had not rendered any decisions on biosimilar insulins, although truthfully, Covid-19 shutdowns delayed many FDA decisions.

To my knowledge, Sanofi only sells vials and Solostar prefilled pens of insulin, but it does not currently sell 3 mL cartridges of insulins as both Novo Nordisk and Lilly do (the latter sells pen cartridges only for certain varieties of prandial insulin analogues only) which would work with refillable, smart insulin pens such as Medtronic's InPen which automatically logs each dosage given with the pen enabling patients to easily track insulin on-board.

Of course, if PBMs are involved, they will just non-medically switch patients anyway by disregarding the FDA designation and calling the products "therapeutically equivalent" in order for the PBM to try and collect legally-exempted rebate kickbacks (although in 2023-2024, Lilly, Novo Nordisk and Sanofi all effectively opted-out of the rebate-contracting sales model for the insulin therapeutic class of drugs).

There is also a photo of the Solostar prefilled insulin pen on the package insert given to the FDA. Of note is that under Section 16, which is entitled "HOW SUPPLIED/STORAGE AND HANDLING", and more specifically under Section 16.1, where it describes "How Supplied," it says that MERILOG (insulin aspart-szjj) injection 100 units/mL (U-100) is available as a clear and colorless solution in one 10 mL multiple-dose vial per carton (which is assigned the NDC # 0024-5927-00),  or in five 3 mL single-patient-use SoloStar prefilled pens per carton (which is assigned the NDC # 0024-5928-05). It also adds "The MERILOG SoloStar prefilled pen dials in 1-unit increments" (rather than 1/2 unit increments).

With all that said, while Novolog will experience its first biosimilar copy, there are quite a few others, most of which are pending FDA at this very moment. As a reminder, those could be from (which I documented them in a previous post found at https://blog.sstrumello.com/2023/09/another-three-biosimilar-insulins.html):

• Biocon Biologics, Inc. (in Feb. 2023, FDA denied Biocon's aspart biosimilar application with a Complete Response Letter (CRL), indicating that Biocon first needed to address some deficiencies which FDA had cited before FDA would approve it, and Biocon told investors that it intended to fix those things)
• Sandoz/Gan & Lee 
• Civica, Inc.'s CivicaScript PBC operating unit/GeneSys Biologics
• Amphastar Pharmaceuticals/ANP
• Lannett Company, Inc./YiChang HEC ChangJiang Pharmaceutical Co., Ltd. [HEC]

About five years behind those companies' aspart biosimilars, a sixth copy from Meitheal Pharmaceuticals/Tonghua Dongbao Pharmaceutical Co. Ltd. is also in development, but as noted, that Chicago-based company is a few years behind the others in terms of development.

These just so happen to be the publicly-held (or, in the case of Lannett Company, a formerly publicly-held) companies I know about. It's possible there could be others based outside the U.S. which also intend to make Novolog biosimilar copies as well.

As for Novo Nordisk, Inc. (the U.S.-based subsidiary of Denmark-based Novo Nordisk A/S whose headquarters are in Plainsboro, NJ [which borders Princeton]), my expectation is that the company is likely to simply discontinue (or "retire" in company parlance) the original insulin aspart and focus exclusively on its slightly-improved Fiasp (the name derived from "Faster Insulin ASPart") which works marginally faster thanks to the addition of vitamin B3 into the buffer solution, which still retains patent exclusivity for the time-being. Novo Nordisk has retired more than a dozen still-efficacious insulin varieties over the past 25 years because they no longer enjoyed Intellectual Property (IP) rights. Levemir happens to be the latest, but I predict Novolog will be "retired" before too long because copies of the product are now being sold.

The difference this time around is unlike in the past when patients were forced to "upgrade" to Novo Nordisk's newest, patent-protected insulin varieties, if patients wish to keep using original insulin aspart, they will likely be able to use Sanofi's Merilog or any of the others currently pending FDA approval decisions.

What Crains Modern Healthcare Says about Rep. Dr. Greg Murphy (R-NC) and how the FTC should break-up United Healthcare

Last October [2024], I shared how I harnessed AI tools to retrieve article content hidden behind a paywall. In particular in my post about the drama behind the change in CVS Health's CEO (see my post at https://blog.sstrumello.com/2024/10/what-cvs-health-ceo-shuffle-has-to-do.html), I found that Crain's Modern Healthcare was the publication, and I found using ChatGPT (rather than Microsoft Bing Copilot or Google's Gemini) worked most effectively for stripping html formatting out of the article content in a matter of seconds.

Well, I'm doing it again, this time I am returning to an article published in Crain's Modern Healthcare, and an article published on January 28, 2025, specifically one about a conservative named Rep. Dr. Greg Murphy (R-N.C.) who wants to rein in federal spending, but he believes that lawmakers should encourage the Federal Trade Commission (FTC) to consider studying United Healthcare Group, and whether it might be appropriate to break that organization up. Read below for complete access to the article.

Bust up Big Insurance, curb Medicare Advantage, Republican says
By Michael McAuliff, Crain's Modern Healthcare
January 28, 2025

Rep. Dr. Greg Murphy (R-N.C.) is a conservative who wants to rein in federal spending, and gets why big programs such as Medicaid and the health insurance exchanges make attractive targets for spending reductions. He's also a urologist and former hospital executive who has seen the value of access to healthcare firsthand.

That's why the trillions of dollars in healthcare cuts House Republicans are considering give him pause, even though he agrees with the direction House Speaker Mike Johnson (R-La.) and President Donald Trump want to take the federal government, Murphy said in a wide-ranging interview last week.

Rather than simply rip massive amounts of money from major programs, Congress should be more focused and creative, said Murphy, who sits on the Ways and Means Committee, which has big influence over health policy because of its jurisdiction over Medicare.

Murphy draws on his experience inside the healthcare system to offer more nuanced, and perhaps unexpected, solutions.

The three-term congressman, whose district stretches from the Atlantic coast to Greenville, thinks lawmakers need to look at cracking down on overspending under Medicare Advantage, busting up vertically integrated healthcare conglomerates such as UnitedHealth Group and increasing doctor pay.

Murphy, who still sees patients, is particularly attentive to how new laws would affect hospitals, he said. Prior to entering electoral politics in 2015, Murphy was chief of staff at Vidant Medical Center in Greenville, the flagship hospital of University Health Systems of Eastern Carolina, known as ECU Health.

"First and foremost, I care about the patient in front of me, and that means access, that means affordability, that means the highest-quality care — period," Murphy said.

What it takes to achieve that, Murphy said, is "making sure that people who actually take care of the medicine or take care of the patient are taken care of — the doctors, the nurses, the physician assistants, nurse practitioners, everybody."

Trump tax cuts, Medicaid cuts

That would necessitate a tricky balancing act if Republicans remain committed to renewing the tax cuts on wealthy households and corporations Trump enacted in 2017, and which are due to sunset at the end of the year.

The Ways and Means Committee and Senate Finance Committee will take the lead on that effort. Murphy is a member of the Ways and Means Committee's and Veterans' Affairs Committee's health subcommittees and belongs to the GOP Doctors Caucus, the Primary Care Caucus, the Academic Medicine Caucus, the Kidney Caucus and the conservative Republican Study Committee.

Extending these tax policies would increase the federal debt by $4.6 trillion over 10 years unless Congress offsets the lost revenue with spending cuts or other tax increases, according to the nonpartisan Congressional Budget Office.

Murphy does not dismiss the substantial budget cuts that his colleagues are discussing. That includes taking $2.3 trillion out of Medicaid, which hospitals caution would have devastating consequences, particularly in rural areas like those Murphy represents.

From Murphy's point of view, there are savings to be found in healthcare programs, but lawmakers need to approach them with a scalpel, not an ax. Whatever Congress does, it must take into account how its policies impact patients and providers, not just the federal balance sheet, he said.

To reduce Medicaid spending, Murphy said, Congress should target providers that overtreat patients and bill the government and take steps to bring down enrollment. Murphy cited anecdotes of individuals he believes don't qualify for benefits but are enrolled, and pointed to work requirements as a means to shift people off Medicaid and onto job-based health plans.

"You're on Medicaid and you walk in the room fine, then there's somewhere you can work and get insurance," Murphy said. "There's plenty of savings that goes on with that. At the same time, I'm adamantly opposed to cutting anything that keeps our critical access hospitals, our rural hospitals alive."

'Cut the head off the snake'

Murphy also counts himself among the growing number of GOP lawmakers who look askance at the role of large, for-profit companies in the healthcare system. Rampant prior authorization demands, lack of competition among pharmacy benefit managers and other aspects of the health sector are ripe for change, he said.

"What they're doing is they're denying care to patients, making more expensive care to patients," Murphy said. "I don't mind profit. I don't. I'm very much a capitalist. But when you, on the end result, are not fulfilling your duty to allow me as a physician to take care of patients, to have them get the care that they need, and [when that's] in the face of unexplainable record profits, there is something wrong — morally, ethically and possibly legally."

UnitedHealth Group is the biggest offender, Murphy said. He would like the Trump administration to carry out the work the Federal Trade Commission began under President Joe Biden. That would ultimately lead, he said, to the disintegration of the company, which comprises the largest health insurer by membership in UnitedHealthcare, the second-largest PBM by market share in OptumRx and the largest employer of physicians in Optum.

Taking a hard line against UnitedHealth Group would make the rest of the industry fall in line, Murphy said.

"So many of the other companies do the same exact thing, but sometimes you have to cut the head off the snake to send a message that what they're doing is wrong — I truly believe immoral," Murphy said.

'Hundreds of billions' from Medicare Advantage

When it comes to Medicare Advantage — in which UnitedHealthcare is second in market share to Humana — Murphy and some other Republicans see too much profiteering and too much pressure on providers, even though the party has strongly supported the privatized version of Medicare for decades.

Medicare Advantage now covers more than half of Medicare-eligible people, a mark of success for the program created under President Bill Clinton and Speaker Newt Gingrich (R-Ga.) in 1997.

But what Murphy sees, he said, is far too many claims denials, shady marketing tactics and gaming the program to generate additional revenue. That means there's money on the table, he said.

"The upcoding is disastrous, and that will be hundreds of billions of dollars in savings," Murphy said. "These insurance companies using Medicare Advantage are taking advantage of the system, they're also upcoding and not providing the care."

Murphy is more traditional when it comes to the Affordable Care Act of 2010, in that he opposed it from the start. But enrollment in the law's health insurance exchanges surged to more than 24 million this year, spurred by enhanced premium tax credits Biden enacted that expire at the end of the year.

Like a number of other Republicans who are not fans of the law, however, Murphy did not just say the more generous subsidies should be allowed to disappear. He suggested that the tax credits are too generous and need to be rolled back. For instance, he noted that in rare cases families that earn up to $600,000 could qualify for at least some financial assistance if their medical expenses are more than 7.5% of their income.

"That's absurd, and so I think we'll take a good look at this," Murphy said. "We want our working poor, especially, to be able to get good, accessible healthcare. But again, we overshot," he said. "The adults are back in the room, and the adults are needing to balance the checkbook."

Raising doctor pay

At the same time, GOP lawmakers including Murphy have priorities that would require new spending. For instance, Murphy supports boosting Medicare reimbursements to physicians, who bemoan that rates haven't kept up with rising expenses. In December, Congress came close to undoing a 2.9% Medicare pay cut for this year but failed to see it through.

A new physician reimbursement system would cost many billions of dollars, but that's worth keeping doctors from leaving medicine or selling their practices to private equity investors or health systems, Murphy said. "The latter two are not the best care. It's less efficient, more expensive," he said.

The end-of-year spending package that didn't include a pay hike for doctors expires in March, and lawmakers are working on a "continuing resolution," or CR, to fund the government through the end of fiscal 2025. If the new bill doesn't address Medicare physician reimbursements, Murphy will oppose it, he said.

"I've had a guarantee from the Trump transition team to the speaker that this gets dealt with in the next CR," Murphy said. "it will be a red line for me, unless it gets dealt with. I cannot see the destruction of private practices."

URL for this article (mostly hidden behind paywall):
https://www.modernhealthcare.com/politics-policy/greg-murphy-medicaid-cuts-medicare-advantage

Using Diabetes as a "Disability" to Claim Certain Benefits

You've likely heard of stories of people who use diabetes as an excuse to avoid waiting in long queues at Disneyland or Disney World attractions. It's not as if diabetes impairs one's ability to wait in line at a crowded, hot theme park. I have also never tried to use diabetes as an excuse to get priority boarding on an airline flight, although some people attempt that. 

But, there are a few "perks" of having a disability such as diabetes, which is what today's post is about.

On October 23, 2023, an article written by April Hopcroft was published by diaTribe News entitled "How To Get a Free Lifetime National Parks Pass" (see https://diatribe.org/lifestyle/how-get-free-lifetime-national-parks-pass for the source). The article was published in late October, and most people tend to visit National Parks during the summer, so it might not have received as much coverage it really deserved to get at the time as if it had been published in the springtime when people plan their summer vacations.  

One of the perks of living with Type 1 or Type 2 diabetes is you can receive a free National Parks pass. It means that patients with diabetes have the ability to get a FREE lifetime National Park Pass enabling them to access various parks and recreation sites across the U.S. The free-if-you-have diabetes pass is called an "Access Pass", and it is a free, lifetime version of the National Park Service's (NPS) "America the Beautiful Pass", which ordinarily costs Americans $80 per year. 

The diaTribe article said that the National Park Access Pass provides free access to over 2,000 federal recreation sites, from iconic National Parks – such as Yellowstone, Grand Canyon, and Yosemite. 

Of course, national parklands are most abundant in the Western United States where there are vast tracts of land and the states are physically large but many are sparsely-populated. 

But even those of us living in places like the East Coast have access to the stunningly beautiful Cape Cod and/or Fire Island National Seashores. In Wisconsin, we have what's referred to as the "National Lakeshore" along Lake Superior which is known as Apostle Islands. On top of that, other national parklands also include historical sites, battlefields, and other landmarks such as Manhattan's Stonewall Inn, now considered to be the birthplace of the gay rights movement in 1969 but it was originally a mafia-owned bar which served gay clients. 

A few years ago, after a trip to Phoenix, Arizona, my spouse and I extended our stay to make a trip to the Grand Canyon which I'd never seen in-person. The Grand Canyon National Park is actually much closer to Las Vegas, Nevada than it is to the state capital Phoenix, but there are plenty of bus tour operators in Phoenix, so I did not even have to drive. I was thrilled to have the opportunity to see what is arguably one of the jewels of the U.S. National Park Services, and because our visit was in early May, we avoided the typical summer traffic jams at the park entrances plus the weather was very pleasant at that time. 

Similarly, my sister and brother in-laws bought a house where they're likely to retire on Cape Cod, and we visited them off-season so getting into the Cape Cod National Seashore was not an issue because those parklands were not officially open at the time (and, it was too cold to sunbathe at the beach), but it's nice to avoid paying an entrance fee of $20 to $35 when it IS beach season. 

Like anything FREE, getting a free National Park Access Pass (the paid version costs $80/year and is known as the "America the Beautiful Pass") is not always easy. 

Qualified individuals can go to a National Park Visitor Center and get their free pass there, but that also means waiting in line in a Visitor Center rather than enjoying the beauty of our National Parks. I'm the type of person who likes to have those things already taken care of upon my arrival. The last thing I want to do is arrive trying to get a free pass only to find I would only be able to use it for my next visit.

There are two requirements for getting a FREE lifetime National Park "Access Pass" (the card itself has the internationally recognized handicap symbol on the lower left side of the card featuring the outline of an individual in a wheelchair). The National Parks" Access Pass" is pictured below.

I liked the diaTribe article, but found it a bit difficult to follow its instructions to get one. So I'll try it again with better instructions.

To apply, you must submit an application form which is available at a National Park Visitor Center, or the form is also available online at https://prod-ibis-green.s3.us-west-2.amazonaws.com/s3fs-public/access_pass_application.pdf and then complete it (which is straightforward enough), sign it, date it and then either mail it to the USGS (the U.S. Geology, Geophysics, and Geochemistry Science Center) processing center in Denver, Colorado (the address is listed on the application form), or you may hand it to a park ranger working at the National Park Visitor Center along with the other required proof of your eligibility. Alternatively, perhaps the easiest way is to submit the application (along with relevant proof of eligibility) online at https://store.usgs.gov/access-pass. 

The documentation of eligibility consists of the following items:

First, a signed, dated and completed application form (see above).

Second, applicants must provide photo identification to verify that they are a U.S. citizen (or lawful permanent resident), which could include any of the following:  

• A U.S. State (or Territory)-issued Driver's License, Identification Card, or Birth Certificate
• A U.S. Passport or U.S. Passport Card
• A Permanent Resident Card (Green Card)

Photocopies (or scanned digital copies if you apply online) of a valid passport, driver's license or valid state-issued photo identification card are accepted with the application.

Third, you must also provide proof of eligibility that you have a legally-defined "permanent disability" which includes diabetes (either Type 1, Type 2 or idiopathic diabetes; note that gestational diabetes is not a permanent condition and is therefore ineligible).

In order to qualify and apply, applicants must show any ONE of the following forms of evidence of disability: 

1. A statement by a licensed physician on their official letterhead who treats someone with diabetes noting that the person has a permanent disability of diabetes, and that it limits one or more aspects of their daily life, and the nature of those limitations.
   
   Eligibility applies to U.S. citizens (or lawful permanent residents) with permanent disabilities, and diabetes is considered under the law to be a disability because "it substantially limits the function of the endocrine system," according to the American Diabetes Association (see https://diabetes.org/advocacy/know-your-rights/is-diabetes-a-disability for more).
   
   I actually advocated and pushed in order to make sure that diabetes was included on the list of conditions defined under the Americans with Disabilities Act (ADA) back in 1990. I did so under the American Diabetes Association which was pushing to include diabetes on the list, and when then President George H.W. Bush (the now deceased successor to President Reagan) was in office, who signed that into law. Originally, diabetes was not included on the list, but the ADA and patient advocates successfully pushed to include the "invisible disability" of diabetes on that list.
   
   
2. A document issued by a federal agency, such as the Veterans Administration, Social Security Disability Income, or Supplemental Security Income.
   
   
3. A document issued by a state agency, such as a vocational rehabilitation agency.

In my case, the only one I can get is to ask my endocrinologist to write a letter on their letterhead to satisfy item #1 above as proof of disability, and address "To whom it may concern" stating that I have a permanent disability of autoimmune Type 1 diabetes mellitus (T1D) which substantially limits the function of my endocrine system. The nature of those limitations is that Type 1 diabetes mellitus requires uninterrupted access to an exogenous supply of insulin, as well as regular and continuous monitoring of my blood glucose levels in order to maintain euglycemia.

With that, I intend to submit an application to receive a FREE lifetime National Park "Access Pass" which entitles me to free entrance to any of our National Parks. Because I intend to apply online or by snail-mail, while the "Access Pass" itself is completely free, but they do charge $10 for processing and shipping of the card itself.

PBM Reform Under a New Trump Admin: A Clash of Titans and a Broken System Badly in Need of Reform

My followers might recall that back in 2022, I first noted Ge Bai. She had been interviewed by a podcast episode which I shared, you can catch my coverage of a podcast interview with her at https://blog.sstrumello.com/2022/12/podcast-recommendation-relentless.html for more (including where you can listen to her interview with the Relentless Health Care Value podcast). Be forewarned: Ge Bai has a very strong Chinese accent, hence I found it occasionally difficult to follow what she was saying. Fortunately, on podcast interviews, you can rewind things to listen again.

You may visit Ge Bai's faculty page at Johns Hopkins University at https://publichealth.jhu.edu/faculty/3887/ge-bai for more details. Also, her LinkedIn page can be found at https://www.linkedin.com/in/ge-bai-16945370/. That said, on November 26, 2024 on NPR's radio show "All Things Considered", it was revealed that Ge Bai had joined a Washington think-tank known as the Paragon Health Institute https://paragoninstitute.org/ as a policy advisor. See the NPR story mentioning that at https://www.npr.org/2024/11/26/nx-s1-5183231/a-look-at-the-think-tank-that-may-shape-trumps-health-policies for more about that.

The role of Pharmacy Benefit Managers (PBMs) in the U.S. healthcare system has become a contentious battleground, pitting powerful industry players against each other and leaving patients and taxpayers caught in the crossfire. This complex issue recently reignited when Ge Bai, an accounting professor at Johns Hopkins University and a leading voice in U.S. healthcare finance, published an article in Forbes titled "Blame the Game or the Players: Regulating Pharmacy Benefit Managers" (see her article at https://www.forbes.com/sites/gebai/2024/12/31/blame-the-game-or-the-players-regulating-pharmacy-benefit-managers/ for more).

Bai's analysis, which delved into the intricate web of relationships between drug manufacturers, insurers, and pharmacies, quickly drew fire from the billionaire entrepreneur Mark Cuban, who runs Mark Cuban Cost Plus Drug Company. On the social media platform BlueSky, Mark Cuban launched a scathing critique (see https://bsky.app/profile/mcuban.bsky.social/post/3lg4gm47ryk2b for his comment):

"Awful piece. PBMs choose to abuse the system. Generic prices are cheaper in the US than in many countries with universal healthcare. She protects PBMs rather than asking why they exist and whether pricing could be negotiated independently."

Cuban's sharp words ignited a broader discussion about the role and impact of PBMs. Antonio Ciaccia of 46brooklyn Research offered a [slightly] more nuanced perspective:

"Sure, some meh defensive stuff [about PBMs] in there, but broad[er] theme is on point: much of PBM games stem from poor system design that begs for their use. Incentivize lower manufacturer and pharmacy sticker prices (repeal safe harbor, no MFN pharmacy contracts, cost plus), and PBM necessity drops like a rock."

Ciaccia's response highlighted a critical point: the current U.S. prescription drug distribution system, with its convoluted "misaligned" incentives and complete lack of transparency, arguably necessitates the existence of PBMs. However, he argues that a fundamental overhaul of the system, with measures including repealing the "safe harbor" exemption from the federal antikickback statute, and prohibiting PBMs' "Most Favored Nation" contracts with retail pharmacies, could significantly reduce the need for these intermediaries going forward.

This debate underscores the underlying complexities of the U.S. healthcare landscape. Enter Paragon Health Institute, a new think tank founded by Brian Blase, a former Trump healthcare policy advisor. Paragon, which aims to eliminate what it considers "wasteful" government incentives, has quickly gained influence within the current administration. That was chronicled by NPR in a short segment which ran on the program "All Things Considered" in late November 2024 (listen below or by using the link, or read it at https://www.npr.org/2024/11/26/nx-s1-5183231/a-look-at-the-think-tank-that-may-shape-trumps-health-policies for more).

Blase, a vocal critic of government intervention in U.S. healthcare, has advocated for policies that he asserts prioritize individual choice and supposed market-based solutions. For example, he has targeted the Centers for Disease Control and Prevention (CDC), arguing that its focus should be limited strictly to communicable diseases, labeling other areas of its work as "mission creep." Blase also seeks to roll back expanded pandemic-era subsidies for insurance coverage under the Affordable Care Act, suggesting that these subsidies should be allowed to expire after 2025. I would expect nothing different from an administration which tried repeatedly (and failed) to repeal President Obama's signature piece of legislation. Instead, he promotes Health Savings Accounts (HSAs) as a preferred mechanism for individuals to manage their healthcare costs.

However, the reality for many Americans, particularly lower-income individuals, is that HSAs are simply not even a viable option. As TurboTax data reveals (see https://turbotax.intuit.com/tax-tips/tax-deductions-and-credits/tax-deduction-wisdom-should-you-itemize/L8Ln7K0Gp?form=MG0AV3 for more), 90% of taxpayers choose the "standard deduction" rather than itemizing their deductions, highlighting the limited tax benefits for most individuals. For someone earning minimum wage, the standard deduction significantly exceeds their potential itemized medical expenses, rendering HSAs largely ineffective and moot to that segment of the population.

Bai, acknowledging Paragon's growing influence in her November 2024 NPR interview ("All Things Considered"), commented:

"I was, like, there's no way this institute will make any splash. But now, after three years, I think they've become such a prominent figure."

She also noted Paragon's influence on congressional members and staffers, although she later clarified that this primarily Republican members, and it should also be noted that her assessment regarding staff influence was largely speculative on her part.

While Bai may have initially underestimated Paragon's impact (she herself is politically conservative), its rise within the Trump administration cannot be ignored. This raises concerns about the potential for a shift in healthcare policy towards a more market-driven, less-regulated approach. But when it comes to pharmaceuticals, that argument falls apart because there is nothing "free" about that industry or that market. Drug companies are selling government-granted monopolies which are highly regulated, and only the distribution system is largely unregulated, and due to a lack of oversight of that, we now have middlemen in the system gaming the system for their own financial benefit at the expense of patients and employer healthcare plan sponsors alike. But the Trump administration has demonstrated a willingness to challenge at least one status quo in healthcare, as evidenced by his failed 2020 executive order ("EO") aimed at addressing PBM rebate kickbacks. 

Trump's Previous Executive Order on PBM Kickbacks Never Went Into Effect

It was absolutely true that on November 20, 2020 (after losing the 2020 election), the outgoing Trump administration issued an Executive Order ("EO") to finally address (which had conveniently been ignored for 4 years) the PBM rebate kickback problem, and I was optimistic that could potentially deliver on a campaign promise to help reduce prescription drug prices for Americans. 

Alas, in typical Trump fashion, the outgoing Trump administration had failed to provide 60-days' notice soliciting public comments on the proposed policy-change which was a clear violation of federal law, which meant that the incoming Biden administration faced an immediate lawsuit over the Trump Executive Order ("EO"). 

To avoid further litigation over process, the incoming Biden administration's Dept. of HHS simply "froze" implementation of the Trump EO for 60 days in order to comply with the law that requires public input on policy changes. But then, the PBM trade association known as the Pharmaceutical Care Management Association (PCMA) sued the U.S. Dept. of Health and Human Services over the Trump EO, and a federal judge ordered that the Trump EO must be frozen until the PCMA litigation was addressed in Court (either in a court ruling, or a settlement). The outcome of that lawsuit was still pending as it as I wrote this (the courts aren't speedy).

The previous Trump administration had also considered some other options such as banning "Most Favored Nation" pharmacy/PBM contracts and promoting "cost plus" drug spending, which could significantly impact the pharmaceutical industry and patient access to medications, only he was no longer President at the time, hence he no longer had power to do those things. However, the unpredictability of the previous Trump administration, coupled with the ongoing legal battles surrounding his 2020 EO, makes it difficult to predict any long-term consequences of these policy shifts.

One thing is certain:

The debate over PBMs, runaway healthcare costs, and the role of government intervention is far from over. The coming years will likely witness continued clashes between powerful business interests for commercial healthcare insurance company-owned PBMs and a growing chorus of voices (including from employer healthcare plan sponsors) demanding a more equitable and affordable healthcare system for more covered Americans. Given Trump's prior failures, that means that we'll basically have to watch how he executes his EOs going forward. He failed the first time, but maybe this time he'll follow the law in executing them this time around?