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Fact Checked

Why You Should Use A Pharmacy Discount Card When You Have Insurance

Even with the best health insurance plan, you are still going to assume some costs of treatment. This is especially true when it comes to pharmaceuticals. Pharmaceuticals are often an overlook cost by health insurance and come with high deductibles if they are even covered at all. In order to help keep your costs low, you should consider using a pharmacy discount card.

What Is A Pharmacy Discount Card?

Pharmacy discount cards are a cost-savings card that is presented at a pharmacy by the cardholder when purchasing a subscription. Pharmacy discount cards save money by negotiating prescription drug prices with pharmaceutical companies and pharmacies. The prices are kept low a number of ways. The first is with their network of cardholders, pharmacy discount card companies are able to negotiate for bulk pricing on prescriptions. Secondly, they are able to find discounts on overstocked pharmaceuticals. Finally, they work directly with pharmacies to get special savings for their cardholders.

How Much Can You Save With A Pharmacy Discount Card?

The actual savings depends on the specific prescription drugs purchased. Though on average, pharmacy discount cards can save consumers 15-20% on their prescriptions. However, there are some examples where people have saved up to a staggering 80%. These savings are even higher on generic prescriptions. So if you require a lot of prescription pills routinely, the savings can stack up pretty quickly.

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What About Insurance?

Pharmacy discount cards work separately from insurance. So when purchasing a prescription pill you can present your pharmacy discount card and your insurance and see which option is more affordable. In some cases your insurance copay will be adequate and other times the pharmacy discount card will over better pricing. So even if you have great insurance, you should consider a pharmacy discount card because it gives you options and can still save you money.

Selecting A Pharmacy Discount Card

There are many pharmacy discount cards on the market, but not all of them offer the same benefits. With the USA Rx pharmacy discount card, you will never pay a fee for your card. The card covers any prescriptions including those required for pre-existing conditions and can be used with your entire family. Best of all, USA Rx pharmacy card can be used in every state at over 60,000 different pharmacies on all FDA-approved prescription drugs. With the great discounts and ease of use, even with great insurance coverage, it’s a good idea to have a USA Rx pharmacy discount card.

Published April 27th, 2017 by USA Rx
Fact Checked by Chris Riley

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