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A planner thought he might have stumbled upon a loophole in program regulations. The reality is more complicated.

"I have patients increasingly coming to me saying, 'I hear it's not as expensive to get the pharmaceutical-grade branded version, can we switch over?'" said Dr. Michael Weintraub, assistant clinical professor of endocrinology at NYU Langone in New York.

The U.S. Preventive Services Task Force helps determine which screenings and preventive services insurers must cover without cost-sharing under the Affordable Care Act.

The direct-to-consumer pharmacy worked best when patients faced cost-sharing bills over $15 for a generic drug.

Workers ages 45 to 61 are filling many prescriptions, and they have many surgical procedures scheduled.

CVS Health serves nearly 1.5 million Tennessee residents through 136 pharmacy locations, the company said.