AI says this:
It appears that WellCare has designated Otezla as a Tier 5 drug, which means it is a non-preferred drug. It is possible that the client has been directed to purchase the drug through Amazon Pharmacy because it is a less expensive option than purchasing through a traditional pharmacy. It's unclear how the claim would be processed in this scenario, it's possible that WellCare would still process the claim and the cost would be adjudicated through the client's insurance plan.
It's important to shop around and compare prices at different pharmacies, and also check with the insurance company if they have any preferred or contracted pharmacies. Additionally, the client may also want to check if there are any patient assistance programs or manufacturer coupons that can lower the cost of the medication.
AI didn't get it quite right. A Tier 5 medication is a Specialty medication (as are most of these newer medications for auto-immune disorders). On most plans, you pay a percentage of the retail price for a Specialty medication (usually in the range of 25%-33% as it varies by plan). So the lower the retail price you can find, the better, but I doubt it will make a huge difference in her cost. I don't think Otezla is available at just any pharmacy though, so your client is likely limited on where she can purchase it.
The good news, if you can consider it good news, is that she will blow through the coverage gap rather quickly and hit the catastrophic phase where she will then pay no more than 5% of the cost.