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00:00If you come into my pharmacy, if your grandma comes in and she tries to fill a prescription,
00:05I'll give you metformin, my cost on metformin is roughly $2.
00:10I would sell her metformin for $4.
00:13As soon as she discloses that she has insurance, I have a gag clause.
00:18I am not allowed to tell her my cash pay price.
00:22I swipe her insurance card, Blue Cross, whatever it may be, boom, co-paid $10.
00:27And she gets her medicine, I charge her $10.
00:30Immediately when I swipe that card and I enter all that in the computer, I get a $7 callback.
00:35Where does it go? It goes to the EVM.
00:38So I could have saved her $6, but I can't disclose to her that.
00:45And now the money, the profits, I make less money, she pays more money,
00:49and the money goes back to the big insurance companies.