Confused about Free Prescription Cards? How to Understand the Fine Print.
With the cost of prescriptions climbing and co-pay increasing, you may find yourself having to make the decision between eating or purchasing medication. There is no one simple answer to this problem. However, using a free prescription card that offers a discount on your medication is a bonus. There are thousands of prescription cards available with a varying rate of discounts. Not all medication is covered, for instance brand names do not receive as great a discount as the generic version. Not all brand name medications offer a generic version.
Sorting through the fine print may be too daunting to bother with. Understanding how a prescription card works for you and the company providing it is just as daunting. Who wants to read several pages of legalese? Who would have that sort of time? The desperate do not want to take the time. Everyone should shop around for the best deals. There are a few terms that can make it easier to grasp the benefits and problems with the various prescription cards available.
The card is free to you. No fees, no payments, or annual dues are asked of you. Ever. If the prescription card is free and you are asked to make a payment of some sort for the card itself, walk away. Tell that person no thank you.
The prescription card does not provide free medication. What it is designed to do is provide you a discount on your medications. Discounts may range from 20 percent to 90 percent. The discount will depend on the medication. There are some cards that can help you pay for cancer treatments and medical equipment.
Every prescription card has a disclaimer. The most important point to understand about the card is that it is not insurance. It does not pay for medical treatments, or provide discounts. There should be an explanation about the terms regarding prescription supplies. For instance the cost quoted is for a 30-day supply.
The providers are those pharmacies that will accept your prescription card. Check the directory provided by the prescription card company. Pharmacies may provide a prescription club service, like Walgreens and Walmart, where costs are reduced by as much as 90 percent on generics and less of a discount on brand names.
How do prescription cards work?
Actually the question should be, how can anyone offer a free prescription card? What’s the gimmick or catch? Each company that provides a free prescription card offering various discounts on medications, treatments, supplies, and equipment receive a payment for each instance. In other words, when you use your card, the company will get paid. There is money to earn with prescription cards. A few companies are in search of affiliates to hand out free cards. Affiliates earn a percentage or flat rate for each prescription.
Where to find your prescription card?
A Google search will turn up over 300,000,000 million links. You could search all of them, but…
If you have a favorite pharmacy, check with the pharmacist about discounts, prescription card program. For instance, CVS Pharmacy provides a card you can use at any of their participating stores. If you have insurance check to see if they have a prescription plan. Medicare & Medicaid provide most medications free. Not all prescription cards can be used with Medicare or Medicaid. Check the fine print of both programs.
There are prescription manufacturers that will send you medication free or at a generous discount based upon your income. The Partnership for Prescription Assistance is the place to go. There is a phone number to call or you can apply directly on line. Once the application process is complete you will know if your medication is covered or if a prescription card is your best bet. TogetherRX is a partner of this program, offering discounts on many medications.
Earn By Giving Away Free Prescription Cards
There is a prescription card that provides several programs with the prescription cards. Affiliates earn $1 per prescription filled and a decent percentage from the other programs. There are two ways you can hand out cards, printing them yourself or purchasing printed cards.
Now, $1 p/prescription may not seem like a lot of money. However, if you give out thousands of cards and thousands of prescriptions are filled, you can make thousands. 🙂 Apologies. I could not resist that last sentence. The truth is that all programs work like this. The more you give, the more you can get, the more work you do the more you earn. Just a matter of doing the math.