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FREE PRESCRIPTION DISCOUNT CARDS AND APPS
Prescription Discount Cards and Apps are a great option for anyone with or without insurance. What I love about them is that you can start using most of them TODAY and there are no income, insurance, or age requirements.
Even if you have health insurance, these discount cards and apps may offer a lower price than your insurance co-pay. If that’s the case you can have your pharmacy run the prescription through the card instead of your insurance.
All of the cards on this list are free and require very little information to get. I was able to use the first one on this list in a pinch when one of my family members’ prescriptions wasn’t covered by our insurance.
HOW DO PRESCRIPTION DISCOUNT CARDS WORK?
So what exactly is a prescription discount card and how do they work?
A prescription discount card is a free, downloadable card that can be presented at participating pharmacies in order to receive discounts on your prescriptions. When you go to pay for your medications, all you have to do is show your card to your pharmacist and they’ll calculate your discounted price.
In most cases, you can print the card right from the website on the same day, show it on their app, read the card information over the phone, or have a card mailed to you.
You can also check the price of your medications ahead of time on the card’s website which I will list below.
TIP: Check the price of your medications using a few or all cards to see which one will give you the best discount. Since all of them are free and allow you to check prices beforehand on their website or app, this will only take you a few minutes.
WHAT ARE THE ELIGIBILITY REQUIREMENTS TO GET A PRESCRIPTION DISCOUNT CARD?
Anyone can use discount prescription cards to save money on prescriptions. Since they aren’t insurance, there are no requirements. Just use one of these cards each time you fill a prescription.
7 FREE PRESCRIPTION DISCOUNT SAVINGS CARDS
GoodRx gathers current medication prices and discounts to help you find the lowest cost pharmacy for your prescriptions It’s 100% free to use and you can easily access discounts on the free GoodRx mobile app, by printing a coupon right from their website, or by requesting a free prescription discount card to be mailed to you.
You also have the option to email or text the coupon to yourself from the website.
I was able to pull up a coupon and save almost 50% off a recent prescription I needed from my local CVS pharmacy. I downloaded the GoodRx app and did a quick search of the medication and it showed me where it was cheapest and what it would cost me.
I just provided CVS with the info from the app and they were easily able to apply the coupon for the discount.
2. RxSaver by Retailmenot
RxSaver is similar to GoodRx and helps you find the lowest prescription drug prices and discount coupons. If you’re uninsured or if your medication isn’t covered, RxSaver can help you find the best price.
RxSaver like GoodRx has a mobile app as well as a discount card that you can request via the website. You can also just search for and print a coupon via the website as well.
The free NeedyMeds Drug Discount Card can help you save up to 80% off the price of your prescription medications.
No personal information or registration is required and the drug discount card is free of charge and can be used immediately. Just print it out, request it by mail, or show the pharmacist it on your phone.
RxAssist is a nationally recognized, web-based medication assistance resource center.
You can print a coupon which is actually a Prescription savings card right from their website without having to fill out any information.
I will say though that I wasn’t able to easily see prescription discount prices on this website so for this card you may have to ask your pharmacist to run it through and tell you the price.
5. Optum Perks Rx
The Optum Perks prescription discount card program gives you discounts at over 64,000 pharmacies nationwide.
Optum Perks 100% free coupons can help you get major discounts on all FDA approved medication nationwide. It’s as easy as searching for your prescription, finding the location nearest you with the best price, and going to pick up your prescription.
The Optum Perks discount card is free for you. They negotiate bulk pricing with pharmaceutical companies and pass the savings directly to you. You will not be charged for using Optum Perks or our coupons
SingleCare works directly with pharmacies to negotiate up to 80% off prescription prices then passes these savings onto their members, free of charge.
You can signup on their website and receive an extra discount if you want but it’s not required.
To save just look up your prescription and then choose the one you want from the pharmacy you want and print, text, or email the coupon, which is a discount card, to yourself and show the pharmacist or read it over the phone.
7. ScriptSave WellRx
ScriptSave WellRx provides a prescription savings card that offers instant savings at the register on both brand name and generic prescription medication. Use their card to save on prescriptions for you and everyone in your household including your pets.
As like with the others, there is no enrollment fee and no limits on usage. Everyone in your household can use the same card. They are part of a pharmacy discount network of 65,000 participating pharmacies across the county including chain and independent retail pharmacies.
ARE THERE ANY DISADVANTAGES TO USING A PRESCRIPTION DISCOUNT CARD?
I wanted to really dig in deep to see if there are any disadvantages to using these types of cards. For most people, they are extremely valuable and can save you a lot of money but there may be some that it may be a disadvantage to using because of the following reasons.
Your Purchase Won’t Count Towards Your Deductable
If you do have insurance and end up using one of these cards because you get a better price, your payment will not usually count towards your deductible.
So if you need your prescription cost to be counted toward your deductible for any reason then keep this in mind and outweigh the costs without using it.
May Keep You in The Medicare Coverage Gap Longer
It’s important to note that when you use a prescription savings card, the pharmacy processes it instead of your Medicare card, not in conjunction with your Medicare card.
Let’s say you have a $50 copay for a medication with Medicare, and the drug discount card price is only $5. Your pharmacist can use the prescription discount card to give you a lower price. But, when you do this, it won’t count toward your out-of-pocket maximum. In other words, it makes your prescription significantly more affordable, but it won’t help get you out of the Medicare coverage gap faster or meet your deductible.
Since I’m no expert on Medicare, you can read more about the Medicare coverage gap here to see if it affects you.
For other ways to save on your prescriptions, please check out my article on How to Save Money on Prescriptions Today.
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