Published April 22nd, 2020 by Stephanie
We can all agree that today’s prescription drug prices are outrageous, especially if you have no health insurance. But even some people with health insurance struggle to pay their co-pays. According to the Journal of American Medical Association, Americans spend about $858 per year on medication. So you have probably gotten letters in the mail, offers popping up on social media about prescription drugs discount cards. You may be wondering is this a scam? How do they work? How much do they cost and which one is the best for me? To help answer your questions so you can understand what they are, how they work and the best prescription drugs discount card for your needs we have compiled some of the most frequently asked questions about discount cards.
Prescription drug discount cards are also known as consumer or point of sale cards. Is a card that allows you to save money on all of your prescription medications. Basically you search for your medication and a list of pharmacies with their prices will show you the most competitive price. These are not to be confused with drug store cards that are only valid in the store you get them from. Drug discount cards are good in all chain pharmacies and independent pharmacies that are in the program. These cards are specifically designed for patients paying for their medication in cash. Even if you have insurance it is a good idea to get one as sometimes the discount is smaller than your copay. There is no charge for these cards. Honest!
Savings programs like USA Rx negotiate the discounts with the pharmacy owners. Your prescription drug savings card will allow you to search for the cheapest price and then go to that pharmacy. You present the card to the pharmacist. They enter the information and the prescription is discounted. Cards are negotiated with the pharmacy not the drug company. They know if you cannot afford the medication, you will probably walk away. This way you get medication you can afford, the pharmacist makes some rather than no profit. And you both may just benefit as you pick up a few items you need that they sell.
If you have no prescription drug coverage or your coverage is limited you will benefit from a drug discount card. The card allows you to pay the discount amount instead of the full medication price. With the soaring costs of medication, it may mean the difference between you filling your prescription or going home empty handed. The card is also beneficial for seniors enrolled in Medicare as studies have shown that as many as 38% of those on Medicare do not have the prescription coverage.
Most programs are free of charge to the consumer. Always be wary of any prescription drug discount companies that require a fee or ask for some method of payment like a credit card. Some other advantages you will get with your card include:
At USA Rx we can save you up to 75% on your prescriptions. If you choose to download the app, you can also compare from 70,000 pharmacies, allowing you to get your medication no matter where you are. You will be able to choose the lowest price in your neighborhood. Best of all you can track prices and will get notified if the cost of your prescription.
So for example you have high blood pressure and are prescribed Losartan. On average in the United States the cost of 30 tablets, 50 mg each of the generic (losartan potassium) is 68.99. The same medication with USA Rx ranges from $6.67 to $9.03. When you are on a tight budget, even 10% could make the difference between taking your pills as directed, taking less than prescribed or worse, not getting them at all.
Your card is valid at over 70,000 locations throughout the United States. We have negotiated with all chain pharmacies and most independent pharmacies to serve you through our program. Every day we add additional pharmacies for you to choose from.
There isn’t one. There is no downside to being a smart shopper. Discount prescription drug cards make money by charging the participating pharmacies and supermarkets in their networks a small fee for the transaction. Stores know if they can get you in the door they can probably upsell. Laundry soap with your Losartin? Perhaps some soda we have on sale? There is only one thing you need to keep in mind. You can use either your insurance or your prescription discount card. You cannot use both. Our recommendation is to use the one that will save you the most on your prescription.
If you are tired of stressing out every time you go to the doctor and get a prescription, try using the free USA Rx free discount wellness card. Just log on to our website usarx.com. Put in your name and email, download our pre-activated card and print it out. Better yet, download our USA Rx app from the app store or google play and put the savings in the palm of your hand. If you have any other questions feel free to check out our FAQ or contact us. We believe that every American deserves to get their medication at a reasonable price. We continue to reach out to the pharmaceutical community, to provide you with discounted medication that you can pay for and get the care you need to take care of your health.