If you are on some 'plan' then you are mostly likely not paying list. Your insurance company usually has cut some sort of deal with the distribution company. Usually that 'deal' includes not telling you about their deal and showing you only list price.
If you are not on a plan. Sometimes you can ask 'hey is there a no plan version' and sometimes they do have it. That can be hit or miss depending on who is working the register that day.
If you are not on a plan and they say 'nope thats the price' then you end up in that category.
