February is when a lot of people notice their pharmacy costs suddenly feel “off,” even if nothing about their health changed. A common reason is that plan resets and mid-winter rule enforcement collide with how prescriptions get refilled, billed, and processed. The frustrating part is that these changes can look like random price bumps when they’re really administrative triggers. If you know what to look for, you can catch the issue while you’re still at the counter instead of paying extra for months. Here are six refill policies that can quietly push copays higher, and the quick moves that help you avoid them.
