Rx Discount Card

Supplement your insurance plan with a prescription discount card to enjoy savings at the pharmacy.
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Many Americans rely on prescription drugs to help manage symptoms and treat life-threatening conditions. In fact, 48.9% of Americans used at least one prescription drug within the last 30 days.[1]

What Drugs Do Prescription Drug Discount Cards Cover?

Not all FDA-approved generic, preferred, or brand name drugs are covered by the Rx Paycard. Please note that an Rx Paycard is not insurance. 

Drug discount cards cover many popular drugs such as:

  • Hydrocodone/acetaminophen (Vicodin)

  • Prednisone

  • Lisinopril

  • Levothyroxine

  • Azithromycin (Z-PAK)

  • Escitalopram

  • Atorvastatin (Lipitor)

  • Valacyclovir

  • Amoxicillin

  • Clonazepam

Generics are Just as Good

If a brand name drug you’re taking is not included in the pharmacy discount card plan, speak to your doctor about changing to a generic alternative.

Generic drugs have the same clinical benefit, dosage, intended use, side effects, risks and strength as the brand name drug[2] and maybe a fraction of the cost.

Have a specific coverage question? Contact us to speak with an agent now.

Pros and Cons of a Discount Drug Card

 
  • Guaranteed issue – There’s no health questionnaire, and you won’t be denied enrollment or charged more based on age.
  • Over 55,000 participating pharmacies in the U.S. – There’s bound to be a location near you. Find out now.
  • Large drug formulary – With a long list of brand name and generic drugs there’s a good chance the medication you rely on is included.
  • Covers an individual, the whole family – Or you can get a child-only card.
  • Easy to use – No claims process, just use the card when you pay for your prescription.
  • Cannot be combined with your insurance – You cannot apply your drug card discount and use your prescription drug coverage/copay at the same time to pay less out of pocket; you may only use one or the other in a single transaction/refill.
  • Does not cover all drugs – You’ll want to verify that drugs you’re currently taking are covered.
  • Drug cards are not medical insurance – They aren’t designed to replace medical insurance and cannot replace the benefits that major medical or alternative health insurance provides.

Ready to save on prescription drugs?

How Do Pharmacy Discount Cards Work?

Drug card manufacturers negotiate drug prices with participating pharmacies and set up a fee structure by tier that  provides savings to the consumer in most cases.

Tiers categorize drugs by cost and are meant to incentivize card users to choose less expensive options. Typically, your share of the drug cost increases as the tiers increase.

To use your drug card, present it when you pick up your prescription. The discount is applied when you pay for your prescription, then you pay the remaining cost out of pocket instead of using your insurance and paying the pharmacy copay. 

The Four Drug Tiers

Tier 1: Usually generic drugs, these are the lowest cost prescription drugs. (Example: Amoxicillin)

Tier 2: More expensive generic drugs and “preferred” brand name drugs. (Example: Warfarin)

Tier 3: Non-preferred and brand name drugs that are more than tiers 1 or 2. (Example: Clozapine)

Tier 4: Specialty drugs used for treatment of rare or serious medical conditions and newly approved drugs.

Ready to save on prescription drugs?

Rx Discount Card FAQ

Yes. Many antidepressants are covered by the Rx Paycard. See the full list.
When paying for your prescriptions, you can’t combine your drug card discount with your health insurance plan prescription drug benefits.  However, you can choose to use your prescription drug card instead of your insurance, especially if it helps you get a lower price on your prescription. This includes Medicaid and Medicare users.
Check with your prescription discount program. Rx Paycard provides everyone with access to discounts.

Who Should Get a Discount Drug Card?

You may want to consider a prescription savings card if:

Are you stuck with a high deductible health plan, wondering how to pay for your deductible should you need to use your insurance?

Medical Gap can help by paying a lump sum benefit that can be used towards your HDHP deductible.

Learn more

Can you buy health insurance that isn’t Obamacare? Yes.

It’s important to note that Obamacare alternatives are not comprehensive health plans and have less coverage than Obamacare plans.

Learn more

How Much Does The Pharmacy Discount Card Cost?

The prescription discount card fits almost any budget.

Individuals: $19.99 per month

Families: $35.99 per month

Remember, you're still responsible for a percentage of the cost of your prescription after the discount is applied.

Ready to save on prescription drugs?

Where to Get the Rx Paycard

Use the pharmacy locator tool to find a participating pharmacy near you.

Rx Paycard is available in the following states:

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Vermont
  • Virginia
  • West Virginia
  • Wisconsin
  • Wyoming

Save on Healthcare Costs – Learn More at Our Blog

by Deb Shields August 22nd, 2019
by Sarah Sullivan August 20th, 2019
by Sarah Sullivan August 15th, 2019

[1] Health, United States, 2016. https://www.cdc.gov/nchs/data/hus/hus16.pdf#079 Table 79, p. 293

[2] Generic Drugs: Questions & Answers. (2018). Fda.gov. Retrieved 4 June 2018, from https://www.fda.gov/Drugs/ResourcesForYou/Consumers/QuestionsAnswers/ucm100100.htm