Should You Use Your Insurance or Prescription Discount Card?

If you go to the pharmacy to pick up your prescription every few weeks, it may be the recurring prescription you pay for each month as a maintenance medication. It may happen that you came down with the irritating sinus/cough/cold infection which you get once a year and need to pick up some congestion and antibiotics relief medications.

In this scenario, all you need to do is ask these two questions yourself:

•      First, should I use my insurance and ensure the copay counts towards my health plan?
•      Do I want to use the discount card on medications and not pay the price fully?

Compare the costs in advance

Before dropping the prescription off at the pharmacy, hop on your computer or phone and go to the discount card website. The discount program is accepted at most major pharmacies. Rx discount card helps you get the medications at the lowest cost at your nearest pharmacies. The drug cost of your drug will likely be much cheaper when you use a discount coupon.

How should you use the discount coupon?

If you decide to go the route where you can use a free prescription drug discount card, you must keep in mind the amount you will not be applied towards the medical deductible or out-of-pocket maximum. Therefore, you are likely to reach out to the health insurance company and see if you can submit the receipts for prescription discount card purchases.

Should you make it count towards your deductible?

It depends on what your year looks like; it may benefit you to pay the pharmacy copay and file the pharmacy claim through your insurance. If you take multiple medications consistently or are planning to have any medical scans, surgeries, or procedures throughout the year, the more copays you spend at the pharmacy, the sooner you will meet your minimum requirements to spend towards the deductible or out-of-pocket maximum.