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prescription-cost-navigator

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Work down the cost of a prescription systematically — the generic and therapeutic-alternative conversation, discount programs vs insurance math, pharmacy price variance, and manufacturer/assistance programs, in the order that saves the most first. Use when asked my prescription is too expensive, how do I save on my meds, is there a cheaper version of this drug, or I can't afford my medication. Produces the cost-reduction ladder for the specific prescription, the scripts for pharmacist and prescriber conversations, and the never-do list (skipping doses is not a savings plan).

plugins/pm-lifeadmin/skills/prescription-cost-navigator/SKILL.md

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# Prescription Cost Navigator Skill

Prescription pricing is the only market where the cash price can beat the insurance price, the same bottle varies severalfold between pharmacies on the same street, and the manufacturer will sometimes pay your share themselves — but nobody at the counter is required to mention any of it. This skill runs the reduction ladder in savings order for the specific medication, scripts the two conversations that unlock most of it (pharmacist, prescriber), and holds one line absolutely: the dose is medical; only the price is negotiable.

## What This Skill Produces

- **The reduction ladder** — every applicable option for this prescription, ordered by typical savings and effort
- **The two scripts** — the pharmacist conversation (cash vs. insurance, discount programs, 90-day) and the prescriber conversation (generic, therapeutic alternatives, samples-and-bridges)
- **The comparison worksheet** — insurance copay vs. cash-with-discount vs. alternative pharmacy vs. mail-order, on their numbers
- **The never-do list** — the cost-coping behaviors (splitting non-splittable pills, skipping doses, unvetted online pharmacies) that convert a money problem into a medical one

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