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Many of these studies are from large databases, which are powerful tools in elucidating patterns on a population level, but can also be misleading due to their immense statistical power
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However, the relationship is indirect and complex
Your out-of-pocket cost after insurance is $500+/month Compounded cost is $250-400/month Insurance "coverage" costs more than paying cash for compounded The math changes if your plan has low cost-sharing (Tier 3 with $50 copay) or if manufacturer copay cards are available and your plan doesn't have copay accumulators
= 0.002 for CFS, Sig
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