It sometimes depends on the circumstances. If your doctor tells you to take one 81mg tablet of aspirin as a countermeasure against future heart attacks, it is not covered. If the doctor prescribes the same medication, it might be covered by health insurance, and the pharmacy will dispense it to you as a prescription drug, but the copay will likely be larger than what the same medication will cost you over the counter.
How can I make sure that I don't pay a copay that isn't more expensive than over-the-counter when buying drugs in the United States?
Should I simply systematically ask the price of the drug when bought over-the-counter before giving any prescription to the pharmacist?
Since the price of over-the-counter drugs may greatly vary between pharmacies, should I use some databases such as GoodRx to ensure the cheapest over-the-counter price possible?