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Type 2 Diabetes on a Budget

Discount Cards

If you have never heard of a discount card for medications, you may be wondering what this is all about. These cards offer discounts on various medical services, including medications. However, they are not a form of insurance. They are designed for people who do not have health insurance. Also, these cards cannot be used for drugs covered by a health insurance plan, but they can be used if there is a specific drug that is not covered by a policy.
There are many different types of discount drug cards. Some can save you a significant amount of money, while others may not. Some cards may be better for some medications. Some discount drug cards may be free, while others require a fee (ranging from $12 to $100). These cards can be offered by state governments, drug companies, nonprofits, for-profit companies, and certain online sources (including our own eMedTV.com).
How can a free discount card save you money? Generally, by negotiating a discounted price with the pharmacy. The discount card doesn't pay the pharmacy any money.
Trying to choose a discount drug card that's most beneficial for you can be difficult. Make sure to take into account all costs involved, including shipping and handling fees. Make sure to do comparative shopping. You can talk to a representative for the plan and make sure your medicine is included.
Also, if you have several cards, please do not bring them all to your pharmacy and ask your pharmacist to determine which one is best. It takes several minutes to enter each card, and the prescription must be submitted electronically in order to find the discounted price. This process must be reversed before another card can be checked.
Do your homework and call the numbers on the back of the discount cards or check their Web sites to determine which will save you the most money. It's not fair to ask the pharmacist to do this for you, especially since the pharmacy will be losing money by accepting your discount card.
Using these discount drug cards can save you money. How much? It will depend on the type of card you use. Discounts may add up to savings of 80 percent in some cases.
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