Best Prescription Discount Cards for 2022

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

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Prescription discount cards are designed to help lower the cost of thousands of popular medications that older adults need. Although savings will vary depending on the card and the pharmacy, most users report saving between 20 and 90 percent on prescriptions by simply using a discount card. Below, we’ll take a look at our top discount cards for seniors, the perks, important things to know, and more.

How We Chose the Top 8 Prescription Discount Cards

We identified the top 10 prescription discount cards and narrowed it down to eight of our favorites based on a number of criteria. We looked at factors such as affordability, service, and ease of use to rank the best prescription discount cards on the market. Read on to learn about the discount cards we consider the best of the best.

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What Is a Prescription Discount Card?

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

Unlike most health insurance plans, a prescription discount card typically never caps out, regardless of the cost of any prescription. There are also no deductibles or copays with these cards, and most of them are totally free. This is possible because companies that are established as pharmacy benefits managers (PBMs) negotiate 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. Watch the video below with SeniorLiving.org Editor-in-Chief Jeff Hoyt to learn more about prescription discount cards and ways to save on your medications.

What Do Prescription Discount Cards Cover?

Prescription discount cards are primarily designed to be used like traditional coupons, 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 they’re not a replacement for insurance, they can offer those who are uninsured or underinsured a viable way to get the medicine they need at an affordable cost.

There are some prescription cards that offer extra perks. Certain card companies have made agreements with local optometrists and dentists that allow them to offer discounts on preventive annual examinations and other services. If you have pets, you can even ask your veterinarian to transfer any medications that your pet may need into “human” dosages; many pharmacies can fill these orders as usual at 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 copays, or ask for credit card details. You simply download the app, print a coupon, or display your discount 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 older adults with a good health insurance plan may find a discount card to be useful for certain prescriptions. Many discount medication cards even provide discounts that are less expensive than the copay alone, so with no out-of-pocket costs to you, there’s no reason not to try out one of these cards. 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.

Did You Know: One in five seniors on Medicare report skipping or rationing medications because of cost, and roughly one-third report difficulty paying for prescriptions.

The cost of prescription medications keeps increasing. With that in mind, it’s no surprise that millions of Americans go without medications they need because of cost. Many older adults are on multiple medications, which can be very difficult for those on a fixed income or tight budget. However, by comparing rates with each reputable discount card provider, seniors should be able to find options 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