For many Americans, who aren’t wealthy, one of the few things that make medical treatment and access to medication feasible is insurance. Some health insurance policies have features such as “co-pay” that allow people with the coverage to pay lower prices on medicine because the insurance company steps in and subsidizes the expense by paying some of the cost as well.
Unfortunately, not everyone can afford this kind of health insurance, and paying the full price on some medication can add up in the long run. For instance, while insulin remains only $30 in Canada, it’s anywhere between $300-$500 in the USA. Fortunately, there’s a way to help keep costs lower, and that’s by getting a prescription discount card with no insurance.
No Policy Required
Getting good health insurance can tough, and there are many obstacles in the way, such as having a pre-existing condition that can have a huge effect on premiums, or even getting accepted for insurance in the first place. While some financial activities, such as buying a home or driving a car require insurance before being able to proceed, buying medication has no such requirements.
This can mean, sadly, even though nothing is stopping a person from legally buying medication, the price of that medicine, over time, can make the cost untenable. But a prescription discount card with no insurance can be one way to keep costs lower. These cards do not require that a person have health insurance coverage, and yet, at the same time, allow people to pay lower prices, similar to a co-pay policy with a health insurer.
How It Works
If you get a prescription discount card with no insurance, all you have to do is present that card at a pharmacy just before purchasing medication. If that pharmacist is an affiliate member of that discount card program, you’ll pay a lower price on the medication.
One of the best examples of this is on the USA Rx website. You can sign up online, print it out, or carry the digital image on your phone for validation, and you enjoy discounts of anywhere between 10%-75% off depending on the medication. Best of all, the card is not just free, it’s recognized at over 60,000 outlets in all 50 states, from the biggest retailer, like target, to the small corner pharmacy operated by the owner. Even without insurance, a prescription discount card with no insurance can still make a big difference to your overall spending on medication.