How do discount cards and resources affect my Medicare Prescription Drug plan?
Answered by 32 licensed agents
There are State Resources available to help with Prescription costs. There are many generic medications that could be $0 copay in Medicare Advantage or Standalone RX plan. Brand Medications can have copays.
State programs have an application and can take up to 2 weeks to 4 months to be approved. These programs have income guidelines to qualify. Most do not consider assets.
NJ PAAD
PA PACE
If you have questions on the state resources, please contact me for more information.
Answered by Leslie Helene Sussman on March 31, 2025
Broker Licensed in NJ, FL & PA
Answered by Lt Col Tim Brown on May 27, 2025
Broker Licensed in TN, AL, CO & 10 other states
Answered by Gary Church on May 30, 2025
Broker Licensed in Ca, AZ, NV & TX
Answered by Mark Maliwauki on March 4, 2025
Broker Licensed in ID, AZ, CA & 15 other states
Discount cards and programs line GoodRx are separate programs that work very well with purchasing inexpensive generic drugs in case you didn’t have a Part D drug plan.
Answered by Joseph Bachmeier on March 29, 2025
Agent Licensed in PA, AZ, DE & 5 other states
Answered by Christopher Boyd on March 4, 2025
Agent Licensed in IN, KY, MI, OH, PA & TN
Answered by Jason Hark, CMIS™ on June 4, 2025
Broker Licensed in IL, AL, AR & 16 other states
Answered by Bryan Smith on March 10, 2025
Broker Licensed in UT, AL, AR & 35 other states
Answered by Vincent Esposito on March 26, 2025
Broker Licensed in NY, FL & NJ
Discount Cards -
Discount cards are programs offered by various companies and organizations, providing discounts on prescription medications. These cards can be used at participating pharmacies to reduce the out-of-pocket costs for medications. While discount cards are not insurance, they can provide substantial savings.
How Discount Cards Work -
- Discount cards are generally available to anyone, regardless of whether you have insurance.
- The savings can vary widely depending on the medication and the pharmacy. It is essential to compare the discounted prices with your plan’s copayments and coverage.
- Present the discount card at the pharmacy when filling your prescription. The pharmacist will apply the discount, and you pay the reduced price.
Benefits of Discount Cards -
- Lower Costs for Non-Covered Drugs - If your Medicare plan does not cover a particular medication, a discount card can significantly reduce your costs.
- Savings on High Copayments - For medications with high copayments, a discount card may offer a lower price than your Medicare plan’s copayment.
- No Impact on Coverage - Using a discount card does not affect your Medicare coverage or benefits.
Programs that maybe available to you -
Extra Help, State Pharmaceutical Assistance Programs (SPAPs), Drug Manufacturer Assistance Programs, Charitable Foundations. To find out more please visit - https://www.cms.gov/medicare/health-drug-plans/medicare-prescription-payment-plan
Answered by Mark Cunningham on May 26, 2025
Agent Licensed in CO, FL, GA, NE & WY
Answered by Randall Taylor on June 3, 2025
Broker Licensed in TX, MI & WI
Answered by David Wiley on April 7, 2025
Broker Licensed in GA & NC
1. Using discount cards does not count towards your Medicare deductible or out-of-pocket maximum.
2. Discount cards can not used with Medicare part D. You can only use one or the other, not both.
3. You can use a discount card to help cover medication not covered by your Medicare Part D plan.
If you need co-pay assistance, you can apply for EPIC. EPIC is a program that helps Medicare participates lower their drug co-payment or even eliminates them.
Answered by Nydia Flores on May 9, 2025
Broker Licensed in NY
Answered by Ruben Trejo on March 4, 2025
Broker Licensed in TX, AL, AR & 27 other states
Please remember if you have a Social Security amount under $1,883 and Assets(not including your home and car) under $17,220 you may qualify for Extra Help. This means covered drugs will not cost more than $12.15 for a month's supply. Call Social Security at 1-800-772-1213 to get started. These are 2025 income/asset numbers.
Answered by Jim Schueth on March 25, 2025
Broker Licensed in NE, AZ, CO & 8 other states
Answered by Steven Bleicher on May 26, 2025
Broker Licensed in AZ
If you were to use something like goodRX, you may get a discounted medication but there is no cap to what you may pay throughout the year. Everyone’s situation is different, so for some folks, I’m a huge fan of good RX but for others I strongly encourage sticking to using your Medicare prescription drug plan.
Answered by Gregg Matheny on March 25, 2025
Agent Licensed in AZ & UT
Answered by John L Herman Jr on April 2, 2025
Broker Licensed in MD, DE & PA
Answered by Michael Crocker on March 28, 2025
Broker Licensed in SC
Answered by Gretchen Morris on March 4, 2025
Broker Licensed in MN, AZ, FL & WI
You may not use the discount card in conjunction with your Prescription Drug plan .
Answered by Tammie Rutledge on April 3, 2025
Broker Licensed in WA, AZ, FL & ID, MT, OR & TX
Answered by Cathy Barnett on June 4, 2025
Broker Licensed in TX, AL, NC & SC
Answered by Peter Yeh on March 21, 2025
Agent Licensed in CA & TX
Answered by Mary Hiatt on February 11, 2025
Agent Licensed in NE, AZ, IA, MO & TX
Here's a more detailed explanation:
Discount cards and online resources (like GoodRx) offer discounts on prescriptions, but they are separate from Medicare Part D coverage .
You cannot combine discount cards with your Medicare Part D plan .
The Anti-Kickback Statute prevents pharmaceutical companies from offering incentives or discounts that are then paid for by Medicare .
If a discount card offers a better price than your Medicare Part D co-pay, you can choose to use the card instead of your plan .
Using a discount card means your prescription cost will not count towards your Part D deductible or out-of-pocket maximum .
Consider using a discount card if your medication is not covered by your Part D plan or if it's cheaper than your Part D co-pay .
Many discount cards are free, while some may have a small yearly fee .
You can find information about discount cards by searching online or asking your pharmacist .
Answered by Fred Manas on May 23, 2025
Agent Licensed in NY, CT, DC & 7 other states
Answered by Aisha Saleem on March 13, 2025
Agent Licensed in MD & FL
However, they do not count towards your Rx deductibles or true out-of-pocket costs. They are not insurance plans, so they are just standalone discounts!
Answered by Ross Landon on April 10, 2025
Agent Licensed in UT
Answered by Randy Hill on April 1, 2025
Broker Licensed in OH, AL, AZ & 7 other states
Answered by Linda Bolan on March 12, 2025
Agent Licensed in IN
They Can’t Be Combined at the Pharmacy
Medicare Part D doesn’t allow you to use a discount card (like GoodRx, GlicRx, etc.) at the same time as your Medicare coverage for the same prescription. You have to choose one at the pharmacy counter:
Use your Part D plan (counts toward your deductible and out-of-pocket costs), or
Use a discount card (may be cheaper, but won’t count toward Medicare costs)
Discount Cards Might Be Cheaper for Some Drugs
Sometimes, a discount card price is actually lower than what your Medicare plan would charge, especially for generics.
But remember:
The purchase won’t count toward your plan’s deductible or coverage gap.
You’ll need to track what you spend separately if you use both in the same year.
Manufacturer Assistance Programs
Some drug companies offer patient assistance or copay programs, but most can’t be used with Medicare. These are usually for people without insurance or in very specific hardship situations.
The Extra Help Program
If you have limited income, you may qualify for Extra Help, a Medicare program that:
Lowers your copays for medications
Eliminates or reduces your deductible
Covers the “donut hole” coverage gap
Talk to Your Medicare Broker or Agent
A trusted agent can:
Help you compare retail and plan prices
Find the most cost-effective pharmacy or plan
See if a Supplemental plan or changing your Part D plan is a better fit
Always ask the pharmacist which option is cheaper, your Medicare plan or a discount card, and choose what saves you the most without missing long-term benefits from your plan.
Answered by Ryan Ross on May 29, 2025
Broker Licensed in FL, GA, KS & 9 other states
Answered by Mitchell Nunn on June 4, 2025
Broker Licensed in FL, MA & NC
Some of my customers use discount cards to pick up medicines that are not covered by the Medicare part D plan.
Most of the states if not every state have the assistant program. Like PAAD in NJ and PACE in PA, EPIC in NY. The Fed also the the low income subsidy plan (LIS) to help those who qualify to get medicines.
Answered by Charles Mai on May 5, 2025
Broker Licensed in NJ, CA, FL & 6 other states
Tags: Advice for Seniors Medicare Part D Prescription Drug
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