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Question DetailsAsked on 3/24/2017

Can the prescription savings card be used if you have insurance

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Generally no - I tried that when we were forced into ACA Marketplace insurance when our perfectly good high-deductible plan was cancelled because of Obamacare. Even though I have a prescription Rx discount card from a professional organization I belong to, all the pharmacies (indepedent and box stores too) said they had to charge the contract amount on the insurance company plan (assuming your plan in any way covers prescriptions).


In my case, for our pretty normal prescriptions, our out-of-pocket more than doubled - and that is with us paying only 20% rather than 100% as we used to, the insurance paying the other 80% - so the amount being charged by the pharmacy went up 10-fold. In fact, the 20% co-pay we have to pay is roughly double the over-the-counter cash price for the drugs - but the pharmacies would not sell to me at the cash price because they said that could cost the thjeir contract with the insurance carrier. Friends say the same thing happens with Medicare and TriCare plans. Ain't the government health plans wonderful.

Answered 1 year ago by LCD




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