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Fact Checked

A Simple Guide To The Ins & Outs of a Prescription Drug Card

 ASimpleGuideToTheIns&OutsofaPrescriptionDrugCardDoes a risk-free method of cutting down your finances on prescription medication sound almost too good to be true? Considering the alarming rate at which healthcare costs have been growing, and are on track to grow even further within the coming years, the thought of a no-risk, high-upside way of saving on your meds sounds like it’s either heaven-sent, or nothing more than a sham.

That all said, there’s nothing unrealistic about it all. It’s thanks to the existence of prescription drug cards and their relative ease of use and accessibility. Just having one can help ease the financial burden of medical expenses significantly. But what exactly is a prescription drug card, and how does it actually work?

What Is A Prescription Drug Card?

 ASimpleGuideToTheIns&OutsofaPrescriptionDrugCardA prescription drug card is a free card that people can use to get discounts on a wide variety of prescription medications. Just present it at the pharmacy upon checkout of your purchase to avail of any discounts, if applicable.

Where Can You Get One?

You can actually get a prescription drug card at some doctor’s offices, but the quickest, hassle-free method to obtain a card is to get one online. Signing up for one is as easy as filling out a few lines of information and clicking a few buttons, so you’re no more than a few screens away from getting your own card if you sign up for one on the Internet. Finding one online also allows you to check which prescription drug card can benefit you the most.

How Much Do I Need To Pay To Get One?

The best part about getting a prescription drug card is that you don’t have to pay anything at all! Prescription drug cards are free and ready for use once you get one, or sign up for one. If you’re on a budget, or in extreme cases, can’t afford your prescriptions, getting a prescription drug card would be an excellent option for you to get the medications you need. A prescription drug card, being free of charge, significantly lessens the need for a lot of Americans to scrimp on the prescriptions they need to lead healthier lives, and gives them access to affordable medications they wouldn’t have if they were underinsured or even uninsured.

Where Can You Use The Card?

You can use the card at participating pharmacies. So always make sure to ask at the counter if the establishment is an affiliate of the program that your card runs before you make your purchase, so you can ensure that you don’t miss out on the full advantage of the perks your card provides. A reliable prescription drug card should be able to work with thousands of pharmacies nationwide, so make sure to find one that can conveniently serve its purpose no matter where you are in the country.

Who Can Use The Card?

Anyone can use the card, really. There are no restrictions to who can use a prescription drug card, so use it at your convenience. Apart from using the card for yourself, you can even get one for everyone in your family. If you’re a business owner, you can get a card for every single employee in your company. This allows the people around you to also have access to affordable prescription drugs, whether they’re insured or not.

Do I Need To Have The Card On Me At All Times?

Not necessarily. You can have the card printed out for easy presentation, yes, but you can also download it to your mobile phone and have that scanned at checkout. There’s no need to have a physical copy on you, but it wouldn’t hurt to have your card at the ready in your wallet whenever you need it.

Why Bother With One When You Can Get Insurance?

It’s easy to dismiss the benefits of a card when you’ve got the option of getting broad coverage with a health insurance plan, but there’s literally no downside to getting a prescription drug card. Here are a couple of reasons why:

? There’s no guarantee you’ll get the biggest discounts on the meds that you need with your insurance plan. Having a prescription drug card on you means you’re afforded the opportunity to at least compare prices between your insurance coverage and your card, among other options.

? You don’t need to pick between one or the other. A prescription drug card works with any existing insurance, so you don’t need to worry about one canceling out the other. Just ask your pharmacist which one would get you the best price for the medications you need. Having a prescription drug card gives you the privilege of having another option when your insurance (or lack thereof) is not enough to get you the cheapest price for your prescription medications.

? It also comes in handy in situations where you’ve run out of insurance coverage. A discount card can help provide some relief in terms of spending in cases like these.

How Much Can I Save?

It really depends on a case-to-case basis. Learning to compare prices to get the most bang for your buck is an acquired skill. More often than not, a good prescription drug card can get you around 10-75%, or even up to 90% off the original price of your prescription medications. For a card you can get for absolutely free, getting one is definitely worth your while. Not having a prescription drug card only serves to limit your options, making it a worthwhile opportunity to maximize.

Published January 7th, 2020 by USA Rx
Fact Checked by Chris Riley

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