As mentioned previously, you can have insurance or Medicare Part D — or have no coverage at all — and still use prescription discount cards. They are a good option if the particular drug you need is only partially covered, or not covered at all, by your insurance plan.
In what cases, though, would you want to use insurance or Medicare Part D instead of a prescription discount program?
For one, prescription discount apps often point you in the direction of generic drugs, but not all drugs have generic versions. If you need a medication that does not have a generic alternative, call up your insurance provider. You may find that the quote offered is substantially lower than even programs like GoodRx can offer.
The same goes for Medicare Part D. You’ll want to find the lowest prices you can with prescription drug programs, but check to ensure Medicare Part D isn’t offering lower prices. Remember: you can’t combine prescription discounts with insurance or Medicare Part D, so you’ll have to choose one or the other.
One drawback of using a prescription discount program when you have insurance is that the purchase will not count towards your plan’s drug deductible, so keep that in mind. On the other hand, you may have a very high deductible, in which case using an Rx savings card may be the better option for both the short- and long-term.