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How Patients Can Save on Medication Costs with EzRx Drug Discount Card
Prescription drug insurance isn’t what it used to be, unlike earlier when you had generous prescription benefits, health insurances these days are paying for less than what they used to. You may be shocked at the pharmacy counter to know that you still have to pay a good amount in prescription costs despite your health insurance. Here are some of the features of health insurance that they use to pass on some or full prescription costs to you:
High deductibles: Most plans come with deductibles, where you have to pay up to a certain limit for your prescriptions. For some high deductible health plans (HDHPs), you may have to pay more than $6,000 each year in your healthcare costs.
Coinsurance and copays: There is a difference between these two terms that are often used interchangeably. Copay is a set amount of money that you will have to pay for a medication regardless of its retail price while in coinsurance; you must pay a percentage of the medication’s cost. More and more plans are moving to coinsurance instead of copayments, which means you will have to pay more for your medications.
Formulary exclusions: Plans revise their formularies and medication coverage each year, with more medications being excluded year-after-year. If your medication is excluded from your existing coverage, you may have to cash out its full price each time you get a fill.
High tier medications: Insurance plans used to have three tiers, but many plans now have four to six tiers. Medications are placed in different tiers, based on their prices. The higher the tier of a drug, the more you will have to pay for it in copayments. A Tier 1 medication which mostly includes generics, you may have to pay $10 as a copayment, for Tier 4 brand-name medications, it could be $90, or you may have to pay the full cost of the medication.
Quantity limits: Some plans may restrict you to certain quantity limits for some medications that you can purchase in a given period of time. If you need more of the medication beyond the quantity limits for your condition, you will have to bear its entire cost yourself.
Step therapy: Your plan provider may insist on a step-therapy for you where you will be required to try another, typically cheaper medication first and provide evidence to your insurer that it didn’t work before you are allowed coverage for the more expensive medication in the higher tier.
Prior authorization: A medication in the formulary doesn’t mean that it’s automatically covered. Your insurance provider may insist on the prior authorization by your doctor for the medication you require to provide you the coverage benefit, and there’s no guarantee that that you will get it. This way, your treatment may be delayed.
Save on meds at pharmacies all over the USA
Even if your health insurance covers your prescription medication costs, you are still going to assume some cost of your treatment. So, you can consider using EzRx drug discount card to keep your medication costs low. Through our drug affiliate program, we have negotiated discounted drug prices for our cardholders with our network of 65,000 pharmacies to get you average medication savings of 35% with EzRx drug discount card. However, in some cases, our members have been able to save up to a staggering 85% on generic medications.
Save on prescription medication costs with insurance
EzRx drug savings card works independently of your health insurance, you can present both your insurance card and EzRx prescription savings card to the pharmacist to see which option is more affordable and better for you, as you may find many medications at lower price than what you will have to pay as out-of-pocket expenses with your insurance in the form of copayments, high deductibles, coinsurance, high tier medication or excluded medicines.
The EzRx medication savings card can be used by the uninsured individuals to fill their prescriptions who may otherwise not be able to fill them due to the rising costs.
How to use your EzRx drug discount card
It’s pretty easy to use EzRx drug card to get save on medication costs with insurance. Just follow the below simple steps.
Download your free EzRx drug card from ezrxdrugcard.com or get your free digital drug savings card by texting the keyword “EZRX” to the phone number 21000.
Choose a local pharmacy with the lowest price of medications such as Albuterol HFA inhaler, Adipex, Fly vaccination or other medications that you require. You can check drug prices at ezrxdrugcard.com for the lowest prices.
Show your EzRx prescription medication savings card to the pharmacist while filling your prescription.
Pay the discounted prices only.
Anyone can download their free EzRx drug card and use it to save on meds as there are no age, income or coverage restrictions whatsoever. The card can be used for an unlimited number of refills and is offered with lifetime validity without any registration or renewal charges. It can also be shared with friends, family and colleagues to help them save on prescription drugs. The card can be used at big pharmacy chains also, such as CVS, Walgreens, Kroger, Target and Publix.
Disclaimer: The information and content posted on this website is intended for informational purposes only and is not intended to be used as a replacement for medical advice. Always seek medical advice from a medical professional for diagnosis or treatment, including before embarking on and/or changing any prescription medication or for specific medical advice related to your medical history.