I don't have a copay on epipens, but I do have a deductible. This actually can help me but the max is $100 off of full price (a few years ago I got $75 off with a similar card).

Oh, I didn't think you would be terribly concerned about the savings, I thought the company helping patients use their insurance was a nice addendum to your comment about the agency problem.

Edit: The way I read it, if you give the card to the pharmacy, the company will pay the $25 on your wife's plan.

Yeah, for sure. It is interesting. Also copays vs deductible etc all seem to be ways to complicate coverage on purpose.