Supplement your insurance plan with a prescription discount card to enjoy savings at the pharmacy.
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:
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 and maybe a fraction of the cost.
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.
Legal Disclaimer: The above list is not a complete list of pros and cons.
Drug card manufacturers negotiate drug prices with participating pharmacies and set up a fee structure by tier that, in most cases, provides savings to the consumer.
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.
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.
You may want to consider a prescription savings card if:
Have a High-Deductible Major Medical Plan
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.
Use the pharmacy locator tool to find a participating pharmacy near you.
Rx Paycard is available in the following states: