Prescription Drug Discount Cards - Yes, They Really Save Money and for Many - Lots of it

Prescription Drug Discount Cards - Yes, They Really Save Money and for Many - Lots of it

Millions of Americans have to pay top dollar for their medications because they have no prescription insurance or they are not part of a large organization that provides their employees with a comprehensive medical insurance plan that includes prescription drug coverage. The people that can afford it the least are charged the most. In fact, over 48 million Americans have no health insurance.

If you are not insured or your health insurance does not cover medications, the best alternative is a prescription drug discount card. In some cases these cards are more effective than many insurance plans or at least more comprehensive in that they provide discounts on medications not covered by insurance plans. In fact, they provide discounts on every prescription drug approved by the U.S. Food and Drug Administration. That obviously includes any drug your doctor may prescribe. Smoking cessation medications, sexual potency and diabetes supplies are examples of medications that are not normally covered by insurancebut can beobtained at greatly reduced rates by presenting the card toyour pharmacist. If your insurance requires high co-pays, ask the pharmacist if the drug card will save you money. That is sometimes the case. And let's not forget about the Medicade "donut hole." You can use the cards while you are in it.

Many people require very expensive medications. Obtaining insurance coverage can become a serious problem and/or very expensive when there is a pre-existing condition. Discount cards can save up to 85% on prescription drugs at over 80% of the pharmacies in the United States and averages 15% on brand names and 55% on generics. Thesecards can be used over and over by all family members and friends; everyone qualifies.

Organizations such as National Benefits Builders Inc. (highest possible rating by the Better Business Bureau of A+) through their Community Assistance Program have negotiated these discounts with the pharmaceutical companies that manufacture the drugs. Over the past five years practically every one of the pharmaceutical companies have subscribed to the program. They can afford to. In the annual Fortune 500 survey, the pharmaceutical industry topped the list of the most profitable industries, with a return of 17% on revenue. The high price of prescription drugs is one of the major areas of discussion in the U.S. health care reform debate. Over 80% of the pharmacies in the U.S. have fallen in line as well. They are aware that many of the drug card distributers provide a prescription "look up" capability on their web sites that will allow anyone to locate local pharmacies and price their medications at each pharmacy. Many people are not aware that there can be significant price differences between pharmacies. Shop the pharmacies and save even more money. Hopefully, as the public catches on, the competitive factors will contribute to lower pharmacy mark ups.

The process is very simple with many distributors. Their web sites will allow you to print your card. It doesn't even have to be printed on card stock. Plain paper will work just as well. It is the Rx bin number and Rx group number that provide the discounts. Just hand it to your pharmacist when you pick up your prescription and their computer will determine your savings.

The bottom line is almost everyone who visits a doctor will find an application for these cards at some point in time. There is even a separate card for your pets. The cards are free. You just provide a space in your wallet so that the next time you are leaving the doctor's office and going directly to the pharmacy, you don't have to wonder if you would have saved money if you had the card to present to the pharmacist.

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