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Rx Discount Card

Prescription savings cards can help reduce out-of-pocket costs of drugs, sometimes by as much as 20 to 80%. Get an Rx discount card and don’t overpay for your generic or brand name drugs.

What is an Rx Discount Card?

Discount drug cards can help reduce out-of-pocket costs of brand name and generic prescription drugs. Many Americans rely on prescription drugs to help manage symptoms and treat life-threatening conditions.

And these drugs are expensive. In fact, in 2016 14% of Americans skipped a dosage or refill due to high cost.2

Pharmacy discount cards can help you save money on brand name and generic drugs that are obtained from a pharmacy.

What Drugs Do Prescription Drug Cards Cover?

Not all FDA-approved generic, preferred, or brand name drugs are covered by the Rx Paycard.

Find out if your prescriptions are covered.

Rx Paycard Covers Popular Prescription Drugs 5

Drug Name What's it for Non-Member Cost* Member Cost* Savings
hydrocodone/acetaminophen
(brand name: Vicodin)
Pain management $1,143.15 $480.88 57%
Prednisone
(generic)
Inflammation $138.81 $53.06 61%
Lisinopril
(brand name: Prinivil or Zestril)
High blood pressure $441.40 $231.75 47%
Levothyroxine
(brand name: Synthroid)
Thyroid conditions $277.89 $262.01 5.7%
Azithromycin
(brand name: Zithromax, Z-PAK)
Bacterial infections $655.31 $350.40 46%
Escitalopram Depression + anxiety $5,868.41 $594.40 89%
Atorvastatin
brand name: Lipitor
High cholesterol $3,628.81 $657.73 81%
Valacyclovir Antiviral $3,435.15 $816.30 76%
Amoxicillin Antibacterial $214.82 $129.01 39%
Clonazepam Seizures, anxiety $257.45 $129.01 61%
* Cost is per month

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 drug6 and may be a fraction of the cost.

Got a high-deductible plan? Pair Rx Paycard with medical gap insurance to save on out of pocket costs.

Who is a Drug Discount Card Good For?

Your prescription medications aren’t included on your insurance plan’s formulary (i.e., the approved list of covered drugs). Many people don’t realize their prescriptions aren’t covered until it’s too late and health insurance open enrollment is closed, leaving them stuck with a plan with limited or no coverage for drugs they rely on.

Your prescription medications aren't included on your insurance plan's formulary

Reducing what you pay out-of-pocket for prescriptions is a good first step. But the most popular Obamacare plans have a $4,000 medical deductible.7 A gap medical plan paired with Rx Paycard can help further protect you from high out-of-pocket costs. Begin the 1-minute quote and enroll process to get your estimate.

Your employer-sponsored major medical plan has a high deductible and no health savings account

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.

A gap medical plan paired with Rx Paycard can complement your employee benefits to help ease the burden of out-of-pocket medical and prescription drug costs. Begin the 1-minute quote and enroll process to get your estimate.

Your Obamacare plan combines medical and pharmaceutical deductibles into one and doesn’t include any drug benefits until you’ve met it.

A prescription deductible is typically lower, making it easier to access the drug coverage. For example, in 2016, the average Bronze plan drug deductible was $4048, while medical deductibles typically start around $4,000.9

When the two types of deductibles are rolled into one high deductible you’ll be stuck paying out of pocket a lot longer.

Your Obamacare plan combines medical and pharmaceutical deductibles into one and doesn’t include any drug benefits until you’ve met it.

Check your plan! In 2016, 46% of Obamacare plans had combined deductibles.10 A gap medical plan paired with Rx Paycard can help ease the burden of high-deductible plans and prescription drug costs. Begin the 1-minute quote and enroll process to get your estimate.

You don’t have major medical coverage at all and don’t qualify for a special enrollment period

You don’t have major medical coverage at all and don’t qualify for a special enrollment period.

Alternative health coverage options like short-term medical insurance, hospital indemnity plans, and bundled coverage like Fusion don’t include prescription drug coverage, so a complementary product like an Rx Paycard can help round out your benefits

Pair the Rx discount card with a short-term medical plan to get alternative health benefits. Begin the 1-minute quote and enroll process to get your estimate.

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.

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. You will pay a portion of the cost of your prescription. Typically, you pay more as the tiers increase.

The four drug tiers:

Tier 1:

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

Tier 2:

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

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.


When you fill a prescription you present your discount card and pay out of pocket instead of providing your insurance information and paying the pharmacy copay.

How to Get a Prescription Drug Card

Anyone can obtain a prescription drug card – there’s no health questionnaire required.

Still not sure if a prescription drug card is right for you? Don’t worry. There’s a 10-day return period after purchase during which you can return your drug card for a refund.

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

Where to Get Rx Paycard

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

Pair the Rx discount card with a short-term medical plan to get alternative health benefits. Begin the 1-minute quote and enroll process to get your estimate.

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

2Sarnak, D., Squires, D., Kuzmak, G., & Bishop, S. (2017). Paying for Prescription Drugs Around the World: Why Is the U.S. an Outlier?. Commonwealthfund.org. Retrieved 8 May 2018, from http://www.commonwealthfund.org/publications/issue-briefs/2017/oct/prescription-drug-costs-us-outlier

3Sheiner, P. (2017). The Hutchins Center Explains: Prescription drug spending. Brookings. Retrieved 22 May 2018, from https://www.brookings.edu/blog/up-front/2017/04/26/the-hutchins-center-explains-prescription-drug-spending/

4Based on IHC Carrier Solutions Top Drugs Antidepressants Birth Control data, June 4, 2018

5IHC Carrier Solutions Top Drugs Antidepressants Birth Control, accessed June 4, 2018.

6Generic Drugs: Questions & Answers. (2018). Fda.gov. Retrieved 4 June 2018, from https://www.fda.gov/Drugs/ResourcesForYou/Consumers/QuestionsAnswers/ucm100100.htm

7Mangan, D. (2017). Obamacare plans get more restrictive and deductibles get pricier in 2018. CNBC. Retrieved 6 June 2018, from https://www.cnbc.com/2017/11/30/obamacare-plans-get-narrower-and-deductibles-get-pricier-in-2018.html

8Prescription Deductibles: What Should You Know?. (2017). HealthMarkets. Retrieved 1 June 2018, from https://www.healthmarkets.com/resources/medicare/prescription-deductible/

9Mangan, D. (2017). Obamacare plans get more restrictive and deductibles get pricier in 2018. CNBC. Retrieved 6 June 2018, from https://www.cnbc.com/2017/11/30/obamacare-plans-get-narrower-and-deductibles-get-pricier-in-2018.html

10Why 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/