Insurance
Discount card or insurance?
What to ask before you decide how to pay for a fill.
Start with the plan price
Ask what you would owe today if the pharmacy used your insurance. A copay is a fixed amount for a covered service. Your plan’s rules, including any prescription deductible, affect what you pay.
Ask for a separate card quote
The pharmacist can check the EzRx price for the same fill. EzRx says its card cannot be combined with insurance, including Medicare or Medicaid, on the same purchase. Compare the two amounts before choosing.
Ask what counts toward your deductible
A deductible is the amount you pay for covered care before your plan starts paying for certain services. If you’re thinking about paying outside insurance, ask your insurer whether this purchase can count and what documentation it would need.
A question to use
“If I buy this prescription outside my plan, will any part of the cost count toward my prescription deductible or out-of-pocket limit?” Your plan can answer for your specific coverage.
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