Can you choose not to have insurance cover a prescription medication and pay full cost?

Yes, of course you can. You can take your prescription to a diffrerent pharmacy and you don't even have to tell them you have insurance. You can specifically ask that your pharmacy doesnt submit your prescription through insurance... but they still might inform them or at least inform the doctor. They do that to make sure you are not getting a controlled substance too soon. But if you are worried about it, just have the doctor call in that medication to a different pharmacy or have them give you the prescription and you take it to any pharmacy you want. When they ask you if you have insurance, so no. Hope that helps. :)