thats not even the half of it, some insurance put different drugs on tiers, generics are usually the cheapest one, then brand name of those generics. and then expensive generics, and specialty like biologic, cancer drugs,,,etc. drastically increase in cost. they can unilaterally not cover certain ones too.

like alot of drugs, topicals are made from INDIA manufactured there, but a 200$ wholesale cost for a 30g tube for a topical immunosuppresant that is GENERIC, with insurance its either no cost or a small copay. probably look for online coupons if your insurance wont cover it, and you need it.