Rx Discount Card


Supplement your insurance plan with a prescription discount card to enjoy savings at the pharmacy.


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

Rx Drug Card Pros
  • 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.

Rx Drug Card Cons
  • 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.

Legal Disclaimer: The above list is not a complete list of pros and cons.

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 Paycard FAQ

Does Rx Paycard cover birth control? (Yes.) Do you need to qualify to obtain the card? (No.)

Get all the answers to your pharmacy discount card questions.

Who Should Get a Discount Drug Card?

You may want to consider a prescription savings card if:

  • Your prescription medications aren’t included on your insurance plan’s formulary (i.e., the approved list of covered drugs).

  • You don’t have major medical coverage or prefer alternative health insurance. Alternative options like short-term medical insurance and hospital indemnity insurance don’t include prescription drug coverage, so a complementary product like an Rx Paycard can help round out your benefits.

  • Your employer-sponsored major medical plan has a high deductible and no health savings account. HSA dollars can be used towards prescription drugs to help alleviate the burden of prescription drug costs. Without an HSA, you may be stuck paying more out of pocket.

  • Your Affordable Care Act (“ACA”) (also referred to as Obamacare) plan combines a higher medical deductible and lower pharmaceutical deductible into one, and doesn’t include any drug benefits until you’ve met it. In 2016, 46% of Obamacare plans had these combined deductibles.[3]

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

3 Ways to Get Started

Get an Rx Discount Card

Speak to an Agent

Work with a Local Agent

Save on Healthcare Costs – Learn More at Our Blog

by Jenifer Dorsey December 6th, 2018
man looking scared, surprised
by Jenifer Dorsey December 3rd, 2018
by Sarah Sullivan November 12th, 2018
[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 [3] Why Prescription Drugs Aren't Part of Obamacare - Morning Consult. (2016). Morning Consult. Retrieved 6 June 2018, from https://morningconsult.com/2016/03/24/why-prescription-drugs-arent-part-of-obamacare/