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Best Prescription Discount Cards for 2021

Our experts researched and reviewed the 10 top prescription discount cards and narrowed the list to their top 6 recommendations.

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Best Prescription Discount Cards in 2021

The prevalence of discount prescription cards has caused quite a bit of competition between card offers and pharmacy prices, as more and more individuals are finding themselves uninsured or underinsured. Prescription drug cards are designed to help lower the cost of many of the most popularly prescribed medications. Savings will vary depending on the card and the pharmacy, but most users report savings ranging between 20 and 90 percent on prescriptions by simply utilizing the card.

Here are the Best Prescription Discount Cards for 2021

How We Chose The Top 6 Prescription Discount Cards

We identified the top 10 prescription discount cards and narrowed it down to 6 of our favorites based on a number of criteria. We looked at affordability, service, ease of use, and other factors to rank the best prescription discount cards on the market. Take a look at the discount cards we have deemed the best of the best.

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What is a Prescription Discount Card?

Prescription discount cards are widely distributed in medical settings, grocers and pharmacies, and your doctor might even recommend a particular card that will serve your needs the best. These cards can literally help consumers save thousands of dollars each year on the cost of prescription medications which are often priced so high they become out of reach, even with insurance coverage that might require a huge deductible to be met.

Unlike most medical and health insurance policies, a medication discount card typically never caps out, regardless of the cost of any prescription. Furthermore, there will generally never be a cost associated with using any type of prescription drug card, as they are free and there are no deductibles or copays. This is possible because companies who are established as a pharmacy benefits manager (PBM) negotiates prices for covered drugs with local and national pharmacies. In turn, partnered pharmacies agree to offer a set range of discounts to patients who present their membership card. Take a moment to watch this video from the Senior Living YouTube channel describing prescription discount cards and other discounts for more information on the topic.

What Do Prescription Discount Cards Cover?

Prescription discount cards are primarily designed to be used similarly to a traditional coupon, except these coupons are applicable toward the price of prescription medications. Many providers offer discounts exceeding 90 percent off the price, and several common generic medications may actually be completely free with a discount card at certain pharmacies. While it’s not a replacement for insurance, it can offer those who are uninsured or underinsured a viable way to get the medicine they desperately need.

There are a few prescription cards such as the two mentioned above that offer a few supplemental perks to using their discount cards. Certain card companies have made agreements with local optometrists and dentists that allow them to offer discounts on preventive annual examinations and other services. Furthermore, if you ask your veterinarian to transfer any medications that your pet may need into ‘human’ dosages, many pharmacies can fill these orders as usual with the discounted price.

How Much Does a Prescription Discount Card Cost?

As a general rule, a prescription discount card should cost you absolutely nothing. The majority of reputable programs such as DrugRx and WellRx will never ask you to pay for anything to use their cards and receive a discount. In fact, the bulk of these companies do not require any type of patient registration, so you don’t need to give anyone personal or private information.

Discount card providers also do not ask any health questions, require co-pays, or ask for credit card details. You simply download the app, print a coupon, or display your participation card and the discounts are yours for the taking—no questions asked. The best part about these programs is that they typically offer a handy search function that not only tells you who accepts their discount cards, but they will offer detailed pricing down to the penny and even compare prices between nearby retailers.

Why is a Prescription Discount Card a Good Investment for Seniors?

Even seniors who have a good health insurance plan may find a discount card to be useful for certain prescriptions. Many discount medication cards have been able to give patients discounts that are less expensive than the copay alone, so with no out of pocket costs to you, there’s no reason to not look into having one or more of these cards on hand. Seniors don’t have to be concerned about bringing their card every time they need to pick up a prescription, as pharmacies you have previously used will keep the information on file just like they do with insurance details.

The cost of prescription medications only seems to get higher and higher as insurance and Medicare coverage rates are lower. With that in mind, it’s no surprise that millions of Americans go without medications they need for better health. Seniors have special needs and concerns, and that often requires one or more daily drugs that can really hit the budget hard. However, by comparing rates with each reputable discount card provider, seniors should be able to find options nearby and within their budget for the medicines they need.

Written By

Morgan Redding

Writer and Editor

Morgan has been writing about the senior living industry for the past five years. In addition to over 400 hours of research on topics like medical alert systems, health insurance, and technology for older adults, she also brings her previous experience working… Learn More About Morgan Redding