In the previous article written about generic drugs. The savings that generic drugs can offer you are significant. However, some just can’t utilize generic drugs. Doctors may only perscribe the brand. A patients body may only react to a brand drug. What happens if you are only allowed the “brand name” medicine? The answer is relatively simple: Rx Discount Programs.
Most people think of the $4 generic program that retail pharmacies and discount stores are pushing today. These programs are put together by stores like Wal-Mart, Target, CVS and Rite Aid. These programs are free of charge and offer great savings compared to your current Rx plan at your company. You don’t have to use your insurance card to reap the rewards.
Another avenue to save money is in Rx discount programs. Discount drug cards offer savings on services including medicine. It is important to note here that these cards are not a form of insurance. Some are free while others may involve a hefty fee. They are offered by state governments, drug companies, non-profit and for-profit businesses. The discounts offered vary widely from 10% to 70% depending on the program, the drugstore and the prescription medicine being purchased.
Here are some questions you should ask before signing up with any discount program:
- Is there any customer service number that I can utilize if a problem should arise?
- What is the refund policy on fees (if applicable)?
- Is the medicine I need available at no or low-cost through a patient assistance program?
- Are my medicines offered through a mail-order or a retail pharmacy?