Serving Discount Programs since For further information regarding our program or to order your prescription assistance card, please contact Michael Hargrove, Outreach Coordinator, Community Assistance Program, at You may also email Michael at info drugcard4u. The comprehensive services provided with this program include: Evaluate your eligibility. Medication Research for the availability of your medication needs. Match appropriate programs for each one of your prescription medications.
Recommend programs that meet your needs and advise you of your options. Order your refills as needed. Inform you when it is time to renew your applications. Prescription drug discount cards are distributed by companies that also work as pharmacy benefit managers PBMs. These PBMs are the middlemen between drug manufacturers, your health plan if you have one , your pharmacy, and you. Because they have significant purchasing power, PBMs are able to negotiate prices with drug manufacturers.
They pass those savings onto health plans by helping them establish formularies for the discounted medications and to pharmacies by contracting with them to supply those medications. If you have insurance, you will benefit by using medications listed in your health plan's information. If you do not have insurance, the PBM can save you money directly by way of coupons and rebates when you use pharmacies in their network.
One way they do this is by offering prescription drug discount cards. There are a number of prescription drug discount cards available for you to choose from.
It may take a bit of time to sort out which ones will best meet your needs, but we've rounded up the best discount cards available here. Using a prescription drug discount card makes sense for people who do not have insurance, but it can also help those who are covered, too. A discount card cannot be used in conjunction with your insurance, but using one could cost less than a copay or coinsurance for a drug.
It may help to talk to your pharmacist to discuss your options. As with anything that sounds too good to be true, there are caveats. Any medications that are not purchased using your health plan will not count towards your annual deductible and, most likely, your out of pocket limit either. This could affect Medicare beneficiaries, in particular.
Medicare Part D plans have a coverage gap known as the donut hole. After spending a certain amount on your medications every year, your coverage benefits decrease. You may be able to save money on your medications during this time if you use a prescription drug discount card instead of your Part D benefit, but keep in mind that Medicare may not allow you to take advantage of certain discounts due to federal anti-kickback laws. You will need to check with the particular program you are using to see if you are eligible.
An online search will bring up a long list of medication discount programs. When selecting one for yourself, you will want to focus on finding one tailored to the specific medications you need. You may even consider signing up for different cards for different drugs to get the most overall savings. What we did was focus on the prescription drug discount cards that offer the most comprehensive services.
The following factors were assessed when ranking the cards included in this review. Prescription drug discount cards can be helpful for the uninsured and the insured alike. Find one that works for you, but make sure you are using a reputable service that will actually save you money. No one needs to pay more than necessary. Additional reporting to this story by Stephanie Valera. Sign up for our Health Tip of the Day newsletter, and receive daily tips that will help you live your healthiest life.
Prescription drug use in the United States, — Changes in list prices, net prices, and discounts for branded drugs in the US, KFF health tracking poll — February prescription drugs. Kaiser Family Foundation. Updated March 1, Better Business Bureau. Blink Health LLC. RetailMeNot, Inc. Actively scan device characteristics for identification. Use precise geolocation data. Select personalised content.
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We may receive commissions on purchases made from our chosen links. Best Prescription Discount Cards. Final Verdict. Compare Providers. Best Overall : GoodRx. Sign Up Now. Pros Free to join Comprehensive coverage of drugs Accepted at more than 70, pharmacies Mobile app. Cons Membership to a premium service required for extra discounts. Best for Local Pharmacy : Optum Perks.
Pros No enrollment or membership required Accepted at 64, locations, including local pharmacies Official prescription discount program of AARP. Cons Not the best prices compared to other programs. Best for Future Savings : SingleCare. Cons Smaller retail footprint than other programs. Pros Free to join Works at more than 65, pharmacies, including local and independent pharmacies Easily print out your free discount card.
Cons Average savings are less than other programs. Best for Home Delivery : Blink Health. Cons Limited coverage of medications, compared to other programs Monthly subscription to use Blink Health doctors. Best for Chronic Illness : RxSaver. Cons Smaller network of pharmacies, compared to other programs. When to Use a Prescription Drug Discount Card Using a prescription drug discount card makes sense for people who do not have insurance, but it can also help those who are covered, too.
Credibility: You want to work with a company that has a solid reputation. This assures quality customer service and safe practices. One way to do this is to check their standing with the Better Business Bureau.
The legitimacy of online pharmaceutical programs can be assured with verification by the National Association of Boards of Pharmacy. Credibility is given top priority in our ranking strategy.
Medications: Programs that include more medications for discounts are ranked higher than those that offer fewer. Pharmacies: Not every pharmacy will accept every discount card. Your pharmacy has to be in the card's network. Programs that offered more pharmacy options were ranked higher. It may not reflect what you as an individual may expect to save.
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