Micah just got back from the drugstore. This is the first time he’s refilled his crazy pills since becoming properly insured. While prescriptions aren’t covered until he’s met the $1200 deductible, he can use the card to get a certain discount on them. So I was waiting with not-really bated breath but definite curiosity to find out how much he got off.
Compared to the overall price, I believe we saved something like $30 or $40. Yay!
But what’s surprising is that we’d already been saving $4 less (so $26-36?) with a free prescription card from YourRxCard.com. Back in October, I think, I decided to start looking for prescription drug programs since we didn’t have insurance and antidepressants are expensive.
I ran across YourRxCard but didn’t really believe it. A free prescription drug card? How could that actually save money? Still, I figured that since it was a free program and our local CVS was supposed to be participating I should give it a try. So I printed up copies for each of us and gave Micah one to take next time he got a refill. Suggested he ask whether they’d take it.
We befuddledly rejoiced when it saved us about 1/3 of the price. I honestly think that the only reason pharmacies accept it is to win customers. We didn’t have to pay anything for it and thus I doubt card-makers pay for it either.
But what matters is that the pharmacy was willing to accept it. It must have its reasons.
It makes a little more sense with the insurance company, they probably have all kinds of agreements with the drug store. Plus they have a motivation for us to pay less…less chance that we’ll reach the out-of-pocket deductible this year. That’s fine with me too.
The insurance card does save more, so we’ll keep using it. I’m also more comfortable using the insurance card since I don’t think the pharmacy will suddenly reject a major insurance company.
But if you somehow don’t have insurance or at least insurance for prescriptions, consider popping by YourRxCard.com and seeing if your local pharmacies participate. It’s free and worth a shot.