« »

Friday, September 26, 2014

Prescription drug cards: A lifeline for the un-insured

Advantages of prescription drug cards
Pharmacy prescription discount cards are not insurance but lower costs
By James Sosa

Not all people are fortunate enough to be covered by insurance. Sometimes it is not offered through work, and sometimes you are self-employed and can’t afford insurance coverage. If you are one of those people who do not have insurance, it may be a financial burden having to pay full price for prescription medications that you need. Prescription drug cards offer uninsured patients a significant discount on the price of their medications. For some people, this discount can really help you stretch your budget and be able to afford to fill all medications for your family; the pharmacy discount card can be a lifeline for the un-insured.

Who uses these programs?

There are many reasons why people may need to use prescription drug discount cards. They may have a low-income, may be a single parent, or may be an elderly person living on a pension or fixed retirement income. In all of these situations a discount card can help to make prescription medication more affordable for these people that need it.

Some simple eligibility requirements

Prescription drug discount cards are not meant to be used in conjunction with insurance coverage. They are meant to be assistance to people who don’t have the financial means to pay for medications. Other than this, there are very few restrictions on the use of the card. The card is not only a lifeline for you; all of your family members are covered and can use the discount card.

Prescription drug cards can save you a lot of money

Most people who use the pharmacy drug discount card can really help to save patients money. In most cases people can save 20-80% on their prescriptions. Pharmacy drug discount providers contact and negotiate deals for their members with pharmacies to be able to pass the savings on to you. Most are partners with pharmacies such as CVS Pharmacy, Walgreen’s, Wal-Mart, Target, Rite Aid, Publix, Kroger, Long’s, Safeway, and Fred Meyer. If you already use one of these pharmacies, you won’t need to switch pharmacies to take advantage of the discount.

In most cases, the discount you will receive on the medication with the card is nearly equivalent to the price you would pay if you had insurance. Remember how we mentioned these prescription discount cards are a lifeline when you are un-insured?

Many drugs are included

Most prescription drug discount programs have extensive pharmacy networks and a long list of medications that are included under the scope of their card, even generics. This means the chances that the prescription you need will be covered under the card are good. Our list of covered medications is very comprehensive, but in some cases you can check online or in-store to see if the drug you need is covered under the card. You can even use it online, while out and about with your smart phone.

The medications are FDA approved

All medications covered under the discount card are approved by the Food and Drug Administration (FDA), and most generic drugs are covered. This ensures that you and your family are getting medications that have been tested for safety and that you are not using questionable medications.

No need to shop around

One frustrating aspect of being on a tight budget is that you have to spend valuable time shopping around and comparing prices at different pharmacies. With the prescription drug discount card you are assured the best price and that you will save money every time you use it. This saves you a lot of time and a lot of headaches.

A pharmacy discount card is designed to assist people who do not have insurance and may not have the money to pay for their prescription medications. The pharmacy discount card can help people who struggle to afford their medications by providing the prescription at significantly discounted prices. You and your family don’t have to worry that because you are uninsured you have to go without your needed prescriptions.

About the author: This article was written by James Sosa, a healthcare writer, who believes that a Prescription Discount Card offers a win-win situation for both customers and pharmacies.

Image: NIH; USGov-PD