I am a representative for Community Assistance Program, the organization which distributes America's Drug Card Prescription Discount Card (for people), and USA Pet Meds Prescription Discount Card (for pets and animals). Please allow me to clear up the misconceptions presented on this page.
YES, THE CARDS ARE LEGITIMATE. That said, be aware that some do ask for personal information such as an email address, or your name, address, and physical mail address to mail you a card. If they ask for any of this information-DON'T USE THE CARD OR REQUEST IT as it is not HIPAA compliant because they asked for personal information.
Prescription discount cards are a VALUABLE addition to your health care. They help the uninsured and the under-insured save money on prescription medications.
HERE'S HOW THE CARDS WORK:
The company or organizaiton distributing the card is paid a small fee only if you use the card. The fee is paid by the pharmacy. A Pharmacy Benefits Management (PBM) company handles millions of prescription claims weekly and processes the payments to the individual pharmacies. The fee paid by the pharmacy is deducted from the payment and forwarded to the distributor of the prescription discount cards. THAT'S HOW THE DISTRIBUTOR MAKES MONEY FROM THE CARDS...ONLY IF YOU USE IT DOES THE CARD DISTRIBUTOR RECEIVE THE SMALL COMMISSION FEE.
Most of the cards are valid in all 50 states. Most are valid at all the major pharmacies and at some individually owned pharmacies.
The discount cards are not intended to be used WITH coverage you already have. HOWEVER, if the discount provided by the card makes your prescription cost less than your coverage makes it, then absolutely YES, you should use the discount card INSTEAD OF your coverage. You will pay less and there is no paperwork or claim to file with your provider! Easy, fast, and cheaper!
WARNING: NOT ALL RX DISCOUNT CARDS ARE THE SAME. If they require ANY personlal information from you, they're not HIPAA compliant and your information may not be safe. The best in the nation, according to my own research, is America's Drug Card (ADC). They are a member of Association of Discount Drug Card Organizations (www.ADDCO.Org), the card is valid in all 50 states plus US territories (US Virgin Islands, Puerto Rico, Guam, etc), it NEVER EXPIRES, if it beats the prices provided by any coverage you have you can use it INSTEAD of the coverage, you can share it with anyone and everyone you wish, there is no paperwork or claim to file.
There are few medications that other cards provide lower prices for. ADC provides a website where you can look up any medication you or someone you know is taking, and you can print as many cards as you wish FREE from the website without giving ANY information (www.AmericasDrugCard.Org/MedHelp). And YES, savings can be UP TO 85% for uninsured card users. For uninsured users discounts average 50% on generic meds and 15% on brand name meds. My son's $203 prescription for pharmeceutical grade vitamins plunged to $37 when using America's Drug Card at Wal-Mart in Central Florida. America's Drug Card requires NO personal information from you and NONE is provided by the pharmacy or the PBM. All they get is a report that a card was used at a certain pharmacy and the ID information of the card. That's how they're paid, based upon that information only.
If you're uninsured or in the "donut hole", you will especially LOVE the discounts!!
If you have Medicare, Medicaid, or insurance, instruct them to figure the discount card price against what's provided by your coverage. Then, you pay whichever is lowest.
I suggest that you have the pharmacy add the discount card to your account, but keep the card and have it with you when you go to the pharmacy in case your card info is lost or inaccessible when you pick up your meds.
I personally know the three top executives for America's Drug Card. Their business integrity and their concern for helping others shows in everything about the organization. Their corporate name is National Benefit Builders Incorporated. They also offer other insurance related options which are sold, but the prescription discount cards are from the benevolent arm of the organizations and are never sold- they are always given away. The pharmacy fees compensate NBBI for their distribution and overhead costs and allow them to pay representatives to distribute the cards. I am on of those representatives.
A further indication of their concern for helping others is the USAPetMeds Prescription Discount Card (USAPM) which is also offered free to everyone. The USAPM card provides HUGE DISCOUNTS FOR PET MEDS and meds prescribed for animals of any kind. If it is a prescription medication (or product, such as flea collars) for pets or animals, a discount is available. Those discount can be huge! Their pet meds website (USAPetMeds.Org/MedHelp) provides a price lookup option for pet meds and the prices will show up on that website if they're available at your local pharmacies. If they don't show up on the website, it means they're not available at local pharmacies because they're medications for animals only and available only from a veterinarian or animals-only pharmacy. In that case, a phone number is provided for a mail order service which, when provided a prescription from a veterinarian, will supply and ship those meds at dramatically reduced prices. If the price is $49 or more then shipping is free. They also match prices of other suppliers if ever another supplier offers a lower price. For them to be able to correspond with you, an email address is required. That info is NOT provided to USAPetMeds or NBBI. It is ONLY for the supplier to contact you.
So, YES, prescription discount cards are legitimate and valuable. I highly recommend America's Drug Card as the only one to use. It was founded in 1998 and has a sterling record of highest value, and the highest rating possible from Better Business Bureau (BBB). Proven and trusted. Recognized and honored at most all major pharmacies nationwide.
Source: www.AmericasDrugCard.Org/MedHelp; www.USAPetMeds.com/MedHelp; http://www.addco.org/