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Question DetailsAsked on 4/8/2017

I RECIEVED MY CARDS & MY QUESTION IS I HAVE MEDICARE & ARRP SO WILL THE PHARMACY LET ME USE THESE CARDS?????

WE USE WAL-MART PHARMACY & WE HAD OTHER CARDS THEY WOULDN'T LET US USE SO THATS WHY I'M ASKING THESE QUESTIONS ??WE ARE IN OUR 80'S & ON SOCIAL SECURITY THANK YOU

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The problem you referred to, with the pharmacy not accepting discount cards, is linked to the contract rates they have with the insurance providers - which require that they charge the contract rate to the insurer (presumably a Medicare Part D Prescription plan in your case), and you then pay your contract-determined co-pay and/or deductible based on that amount - which in manby cases will mean you pay more than if they charged the over-the-counter price to the insurer and you paid that same percentage. Your only easy solution is to, at annual renewal period, list your prescriptions (of course not knowing which other ones you might need in the coming year) and find a Part D plan that gives you a good rate on those specific drugs - bearing in mind any "Tier" copay rate structure in the plan, and whether you can tolerate the generic version (which may or may not work as well for you or may cause allergic issues, because even though generics are supposed to be identical they are not always so). Talk to the WalMart pharmacist (and we too found them to be the generally cheapest store pharmacy, though there are some cheaper on-line sources) about what you can do to reduce your costs. I have heard of cases where people have bought most of the their prescriptions at a pharmacy which has the lowest prices for those under their insurance, then gone to another pharmacy which has lower net cost for another prescription and bought it cash over-the-counter - without providing any insurance or medicare information. Rare to find the over-the-counter price to be cheaper than your co-pay/deductible, but can happen.
Not all these cards save you money - there are a number of outfits out there acting as prescription brokers which cut contracts with phramacies (commonly chain ones) where the amount you pay may well be MORE, not less, using the card (or using health insurance). I found with my health insurance provider, for instance, that if they have my insurance company in the system the 20% copay on the prescription is MORE than the over-the-counter price of drugs - PLUS the insurance company is paying another 80% on top of that ! Crooked as it comes.

Answered 1 year ago by LCD




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