Prescription Drug Card

How to Save on Your Prescription Medications

September 19th, 2016

Millions of people are struggling to afford healthcare. Prescription drugs are a large component of every family’s budget. There are free discount prescription cards in the marketplace which can help you save 10% – 85% on many FDA approved brand-name and generic drugs. These cards can be used at over 58,000 large chain and local independent pharmacies in the USA.

How do these free discount prescription cards work?

Simply present the free card to the pharmacist and s/he will enter the card information into your pharmacy profile. You will then have access to discounted prescription prices. Many of the cards are already preactivated and there are no deductibles or fees or forms to complete. Everyone qualifies! One card will generally cover your entire household and no personal information or Social Security Number is required. Many networks also offer free Spanish cards are some free discount prescription card websites will translate into all the major languages.

Where do you get these free cards?

Look around the internet and you will find many companies who provide these cards. Many times you can print a free (paper) card from the website which you can take to your pharmacy and have entered into your pharmacy profile. Also, you can send free (paper) cards to your friends, family and coworkers anywhere in the USA. You can also get a physical card(s) by calling the company or sending an email requesting cards. Usually you get obtain multiple cards for groups, associations and government organizations at no cost.

Individuals who need these cards:

1. Those with no insurance
2. Those who may have insurance but have limitations like high deductibles, non-covered drugs, high co-payments or caps on their benefits
3. Seniors who fall into the “donut hole” of their Medicare Part D
4. New employees who are in their waiting period for healthcare coverage
5. Employees who cannot afford COBRA payments when they lose their job
6. Employees who cannot afford to cover dependents
7. Employees who have lost their health coverage at work

If you have existing insurance, you can also have a free discount prescription card in your pharmacy record. The pharmacy will automatically dispense your medications at the lowest cost, the lower of your insurance or the discount prescription card. Sometimes, the free card will be lower than your co-pay!

Many free discount card networks also have robust websites which will allow you to price your medications by providing the medication name, dosage, number of pills and your zip code. This way, you can “pre price” your medications before you go to a pharmacy, by checking the discounted pharmacy prices in your area.

A few tips when using these free discount prescription cards/websites:

1. Do not use a free card or website that requires you to provide personal information (your name, phone, street address, etc). A good discount pharmacy card, will not require personal information – these free cards should not track back to you for privacy reasons). Their websites should only require you to provide your zip code to pull up the pharmacies in your area when you are pricing your medications.

2. Do not pay for these cards. They are free, always free.

3. Always try to price your medications on their website, so you know who has the best discounted price.

4. Watch for significant price differences on generic medications. Some pharmacies can be significantly higher on generic drugs. You will see this when you do your online pricing. Brand names are will generally only vary a few dollars between pharmacies.

5. You cannot use both your insurance and the free discount card. It will be one of the other, whichever is the lowest cost.

There are many people using these cards, take advantage of this free opportunity!

Happy Savings!

Save Through Prescription Savings Program

September 19th, 2016

The cost of prescription drugs is increasing day by day, although the material needed for manufacturing these drugs are still cheap enough. This is due to the reason of government taxation and trade policy of the drug manufacturing industries. Perhaps, you know that the price of the prescription drugs have increased 10% in this year in US.

It has been noticed that in the South Carolina people have to pay their 30% income for health care activities including drug expenses. Therefore, to address this problem several Prescription saving programs have been launched. There are a number of organizations rendering these services. People are moving to the health insurances. Prescription saving program is an alternative to this.

Under this program one can get discount on different lab fees. Major health insurance providers are giving a large amount of discount on the cost of different tests. You can also have the facilities of getting drugs at a cheaper rate. Thus you can save lot of money. Some health savings programs are giving 100% discount to their account holder for some diseases and tests. This is done by negotiating with the big medical institutes.

The first thing we should know regarding prescription savings program is the different subgroups of people who are qualified to secure these programs. The person whose income is less than $45,000 per year, the person who does not have the Medicare facility, and the person who does not have the prescription coverage facility of any kind are all eligible for this program. Some programs require age limit of 65. It means persons with an age more than 65 are not eligible for this program. These requirements may vary organization to organization.

Americans pay more than thirty billion dollar per year for different alternative therapies such as homeopathy, Chinese medicine etc. These therapies are quite effective. Different health saving programs are practicing this treatment processes as an alternative. This reduces the pressure on conventional drugs. Furthermore these therapies are 100% tax free. And nowadays conscious people prefer these therapies to the conventional therapies. Even some hospitals are applying these therapies.

In this circumstance it has become very essential for the people who do not have any other Medicare facilities to have the prescription saving program. Since day by day the cost of medical expenses are getting out of reach, conscious people should take this program as early as possible. Otherwise it will be difficult to cope with the upcoming prescription drug expenses.

How to Stay Out of the Dreaded “Donut Hole” on Your Part D Medicare Prescription Drug Plan

September 19th, 2016

Now that we are several years into the Part D prescription drug program, Medicare customers have found many reasons to be dissatisfied. The biggest fear is ending up in the dreaded coverage gap commonly known as “the donut hole”. Simply put, your plan stops paying once a certain amount, just over $2800 for 2010, has been spent on prescription medication. It is extremely important to understand that the full retail price of medicine is used to calculate the amount towards the coverage limit, not the co-pay amount that your plan provides. With this in mind, it’s easy to see how just a couple of brand name medications could put you over the limit. Consumers have become savvy in finding ways to stretch their benefits and thereby beating the system. Here are some techniques that everyone covered by a Part D plan should consider:

o Speak with your physician about any of the brand name medications that you take to find out if there is a generic alternative medication that would work as well for you. Lower cost generics and alternatives can save hundreds or thousands of dollars.

o Speak with your physician about increasing the dosage of your medication and using a pill splitter. Since most Part D plans charge a co-pay, regardless of the dosage, splitting pills can stretch a one month supply to last two months. This can be done for both brand and generic drugs thereby cutting the number of times you get refills in half.

o Do not use your prescription drug plan for low-priced generic drugs. Many pharmacies are offering these medications at extremely low prices, however, presenting your drug card allows the pharmacy to file a claim with your insurer and the full retail price is applied towards your coverage limit. The low cost specials being offered on generics is available to anyone with or without a prescription drug plan. TIP! In order to avoid confusion, it may make it simpler to purchase the low cost drugs from one pharmacy which never has your coverage information and purchase the brand names from another pharmacy with which you use your Part D plan.

o Take advantage of lower prices by using mail order and 90-day supply offerings by your pharmacy and prescription plan. Some may provide buy two, get one free specials or even give you the generics for free.

o Make a year-end purchase of a 90-day supply on any medication you take regularly if you are not currently in the coverage gap. This will allow you to be ahead for a few months of the new year when your coverage limits start over. This will be of tremendous help should your medication usage or cost increases in the new year.

o Ask your physician for samples. They are usually glad to help if all else has failed and you ended up in the gap.

Much time and effort is spent trying to pick a plan based on the premium cost and plan features, however, using the techniques described in the article can potentially save as much or more money than the plan itself.

Top 17 Ways to Cut Your Prescription Drug Costs

September 19th, 2016

1. You May Qualify for a Free Drug program.

· There are over 1,100 drugs that are made by 100
manufacturers who have free drug programs. Most major drug
companies provide free medications, but rarely, if ever
publicize their programs. An estimated two billion dollars
of free medication is given away annually.

· Larry’s father has prostate cancer and takes Casodex
every day, which costs $300 a month in the US, and $180 from
Mexico. He sent his father’s information to see if he
qualified. He recently found out his father did qualify to
receive the drug free. Larry just happened to see a small
article buried inside the newspaper. He never knew these
programs existed.

· A complete list of drugs and manufacturers’ programs is
available. For more information visit: http://www.institutedc.org

2. Get a Pharmacy Discount Card for Free.

· AdvanceRx offers a free discount card to anyone that saves
13%-25% and covers all drugs dispensed at a pharmacy. For
details, call 1-800-ADVANCE (238-2623) or http://www.advancerx.com.

· There are five free discount cards for Senior citizens.
The discount cards cover over 200 popular medications.

3. Save Up to 93% by Asking for a Generic

· Use generics whenever they are available. Both brand name
and generic drugs contain the same active ingredients, are
the same in strength and dosage, meet the same government
quality control standards.

· According to Mark Erblat, Pharmacy Director and owner of
Rx For You, cost savings on brand name vs. generic will vary
from drug to drug and pharmacy to pharmacy but can be
significant. For instance:

· Prozac brand 20mg, 100 tablets cost $280.19 and generic
sells for $29.99 (Savings 89%)

· Vasotec brand 5mg, 100 tablets costs $103.59 and generic
sells for $18.19 (Savings 82%)

· Zantac brand 150mg 100 tablets costs $173.39 and generic
sells for $10.99 (Savings 93%)

· Zestril brand 10mg 100 tablets costs $96.29 and generic
sells for $39.99 (Savings 58%)

4. Veterans Now Qualify for More Benefits.

· Recent laws have changed that grant veterans medical
benefits for certain illnesses like diabetes and
hypertension, provided the veteran is subject to qualifying
conditions like agent orange exposure.

· See if you qualify for benefits by checking with the
Veteran’s Administration.

5. Cut Your Costs in Half… by Using a Pill Splitter.

· Most pharmacies should stock pill splitters. Sometimes,
medications can be broken in half and save you 50%. The
reason is because several pharmaceutical manufacturers price
some of their medications the same for all strengths.

· Lipitor is essentially the same price for all strengths.
It is possible to save as much as $100 on a one month supply
of Lipitor just by getting the larger strength and cutting
in half. Ask your pharmacist.

· This method may not be appropriate for all medications and
could be dangerous if used with the wrong medication.

· Begin by asking your doctor or pharmacist if your
medication is available in a dose double your normal dosage
(ex, if you usually take a 20 mg. pill, is a 40 mg. pill
available?). If it is, ask whether there would be any
problems with splitting the tablets or capsules.

· Now, do a cost comparison between the two dosages. If the
higher dose is less than double the cost for your regular
dose then you will be saving money by having your doctor
prescribe the higher dose and then splitting it. Cost savings is
typically 32% to 50%.

. Viagra is another medication that lends itself to being
split in half or quarters to save 50% to 75% depending upon
the dosage required. The average Viagra user who uses two
doses per week can save over $400.00 per year.

· This method is not appropriate for all medications. Check
with your pharmacist. Some easily split medications include:
Ambien, Aricept, Buspar, Effexor, Lipitor, Luvox, Paxil,
Remeron, Risperidal, Seroquel, Serzone, Viagra, Zoloft,
Zyprexa. (Ask your pharmacist about others)

6. Save by Buying a 90 vs. 30-Day Supply.

· Most pharmacies have higher savings on a longer days
supply. In addition, when it comes to people who have
insurance prescription coverage, there may be other savings
by getting a larger day supply.

· For instance, if you have a $10 co-pay, the insurance
company will let you get only a 30 days supply in general
for that $10. A 90-day supply bought with out insurance may
only cost you $18.

· This would be much cheaper than paying $10 per month ($30
for 90 days). It would also save you two trips to the
pharmacy.

7. Ask for an Older Medication That is as Effective.

· Many pharmacists agree, that antibiotics are probably the
most over prescribed, or incorrectly prescribed medications.
Often, the physician will prescribe a newer antibiotic that
has been promoted as more effective. What this really means
is that it is considerably more expensive.

· The newer antibiotics are often no more effective than the
older antibiotics. However, they are new and covered by
patent protection. Therefore, the newer medication is more
effective in ensuring a nice profit for the drug
manufacturer for many years.

· Since many generics are made in the same factory as the
brand name ones, make sure you ask your doctor for a
generic antibiotic. A great generic broad- spectrum
antibiotic costs 80% less than a new antibiotic. In dollars,
it costs you $20 instead of $100.

8. Over-the-Counter Drugs May be as Effective as the
Prescription Drug.

· Many doctors still prescribe Pepcid 20mg to their
patients. A one-month supply of Pepcid 20mg cost
approximately $60. Pepcid AC, over-the-counter in 10mg
strength, taking double the dose costs approximately $23.

· Most prescription cold medications average $20 to $60 for
a one month supply and contain the same decongestant that is
available over-the-counter for less than $2.

9. Get Only a 7-day Supply of New Medication.

· If the doctor does not have samples, ask your pharmacist
to give you only a one-week supply to try. It is a federal
law that medicines can’t be returned once they are
dispensed. If you get a month’s supply and can’t tolerate
the medicine, you have just lost that money.

10. Stop Using Drugs You No Longer Need.

· Review all your prescriptions with your doctor at each
visit. You may be paying for some drugs you no longer need.

· Doctor run http://www.rxaminer.com provides a custom analysis of
your medications to save you money. You can get a free, no
obligation, Cost Screening to find out how much you can
save.

· Also ask your pharmacist to review your medications in
addition to your doctor. Here is why. A pharmacist’s
valuable services and knowledge are free. He may also find
something your doctor missed.

· A lady developed a persistent cough after she had been
taking a blood pressure medication for approximately 3
months. Her doctor treated her cough with antibiotics and
cough syrup for 6 months. She asked her pharmacist about her
cough lasting so long. The pharmacist found that a possible
side effect of her new blood pressure medication was a
persistent cough. Her doctor argued but changed her medicine
and her cough stopped. The lady had spent over $750 in
doctor’s fees and medication just to treat the cough.

· A mother was giving her daughter antibiotics to treat a
kidney infection. Her daughter consistently had a fever.

This continued for several months. The baby’s pediatrician
prescribed several antibiotics unsuccessfully. After
searching the literature, the pharmacist discovered that the
antibiotic had a side effect of persistent low-grade fever.
In the end, the mother had spent over $500 on doctor visits
and prescription cost.

· Don’t hesitate to ask your pharmacist questions, their
advice is free and can often save you money and aggravation.
Ask questions about side effects, and drug interactions.

11. Order Your Prescription Drugs by Phone.

· You can save 20%-50% by ordering prescription drugs over
the phone. Bonus, you do not have to pick them up at the
pharmacy.

· Make a list of your medications, including strength and
number taken daily. Then list at least six pharmacies you
are going to call. Don’t forget about discount mail order
sources too, several are listed at the end of this booklet.
Then call and get prices, ask if this is their best price
available. Compare the costs.

12. Pay Attention to the Quantity.

· Find out how much medication you really may need, and make
sure your doctor doesn’t order you more medicine than is
necessary to treat your condition.

13. Ask Your Doctor for Samples at Every visit. They Usually
Have Plenty.

14. Take Only Those Drugs You Really Need.

· When your doctor prescribes medication for you, understand
exactly what it’s meant to do and for how long. If you
areprescribed two drugs for the same symptom, ask if you
really need both.

15. Buy Home Test Kits.

· Kits for determining ovulation, pregnancy and colorectal
cancer, can be purchased as home tests instead of paying
twice as much for similar kits at your doctor’s office.

16. Cross the Border.

· If you live close to either Canada or Mexico, you can buy
some medications in either country for 75% off the U.S.
price.

17. AARP Members are Eligible for Many Discounts, Including
Mail-Order Pharmacy Discounts.

· Ask for an AARP discount.

If you have questions about these tips or your medication
ask your doctor and pharmacist.

*********************************
* Senior Discount Card Programs *
*********************************

(G) GlaxoSmithKline’s The Orange Card (888) 672-6436

· Covers all GSK’s drugs. Must have an annual income below
$30,000 per individual or $40,000 per couple

· 30% average at participating pharmacies

(L) Eli Lilly’s LillyAnswers Card (877) 795-4559

· Covers all Lilly’s drugs except controlled substances.
Must have an annual income below $18,000 per individual or
$24,000 per couple.

· $12 Co-pay per prescription for 30-day supply.

(N) Novartis’ CareCard call (866) 974-2273

· Covers select Novartis drugs. · Tier 1 must have an annual
income below $18,000 per individual or $24,000 per couple.
$12 Co-pay per prescription for 30-day supply.

· Tier 2 must have an annual income below $26,000 per
individual or $35,000 per couple. Receive a 25% or more
discount.

(P) Pfizer’s The Share Card call (800) 717-6005

· Covers all Pfizer’s drugs. Must have an annual income
below $18,000 per individual or $24,000 per couple.

· $15 Co-pay per prescription for 30-day supply.

(T) Together Rx Card (800) 865-7211

· Over 150 select drugs from a group of manufacturers. Must
have an annual income below $28,000 per individual or
$38,000 per couple. (Higher in AK and HI).

· Savings of approximately 20-40% off the amount you usually
pay for prescriptions and, in many cases, substantially
more.

END

Prescription Drug Card

September 19th, 2016

Is there a way to lower the cost of prescription medicines? Yes, there is; and it involves using a prescription drug card. When using this card you can actually save up to 75% on the total cost of your medications. If this sounds like a great plan to start then these cards are easier to get than ever before. Now is the best opportunity to receive your card while it is still free.

There are plenty of ways to get a prescription drug card. The easiest way, however, is to download the card. This is available at many different sites around the internet. This takes out the time and hassle of getting the card in person. This is an innovative technique with technology that only helps people get the deals they deserve. This can also save an unbelievable amount of precious time in your life.

Why would you want to have a prescription drug card? Well, there are many reasons to acquire this very useful card. First of all the savings are so high compared to paying for your prescribed drugs without a card. There are more than 50,000 locations to use this card to your advantage and the savings can be astounding. Doesn’t saving this kind of cash of up to 75% just make you feel like you got the best deal possible? It should, since many are already overpaying each month for their prescription drugs when a cheaper alternative is available.

So do you want to know exactly how a prescription drug card can save you this kind of money? Any company providing your program slashes down the prices with pharmacies of over 20,000 branded and generic drugs. A prescription card is not a substitute for insurance, but instead serves as a drug price reducer. The best thing is that the card is available for everyone.

Now that you know how to get the best discounts on prescription medicines, isn’t it time you take your savings home? Use of the prescription drug card is so easy and all it takes is a download. This will help you save tons of money as well as your precious time.

There is an excessive amount of traffic coming from your Region.

September 18th, 2016

There is an excessive amount of traffic coming from your Region.

September 18th, 2016

There is an excessive amount of traffic coming from your Region.

September 18th, 2016

Tips To Consider When Choosing A Prescription Drug Plan

July 22nd, 2016

The prescription-drug account began in 2006 and it aims at accouterment subsidized decree drugs through clandestine insurers.

Here you are accustomed a agenda that you use to get decree drugs at discounted prices. In a lot of cases the agenda allows you discounts of up to 85%.

If you are interested, actuality are some of the tips that you should accede if accepting the plan:

Don’t just attending at premiums

While arising companies crave you to pay account premiums, this is not the alone affair that you should consider. To be on the safe ancillary you should accede added factors such as co-payments, deductibles, and whether your admired pharmacy is affiliated with the plan.

You should bethink that there are abounding decree affairs and the affairs usually accept altered ‘tiers’ of biologic types. For example, there are affairs for generics, adopted brand-name drugs, specialty drugs, and non-preferred brand-name drugs. You should go through the plan’s biologic account and see whether your medications abatement on the list.

As always, you should go with affairs that accept your medications on the biologic list. It’s aswell recommended that you go for affairs that are affiliated with your admired pharmacy.

Navigate the advantage gap

The biologic affairs tend to accept a gap in advantage which is usually accepted as ‘doughnut hole’. The gap begins if you absorb $2,700 in medication.

After you accept spent this amount, you are declared to buck all the costs until your abroad costs ability $4,350. After you accept accomplished this limit, the plan again covers a lot of of your biologic costs for the blow of the year.

If you would like the plan to awning your biologic costs during the gap, you will be appropriate to pay college premiums. As a consumer, you should counterbalance whether paying the added amount is account the added coverage.

If you acquisition that the exceptional is too high, you can ask your doctor to advance some cheaper alternatives. These can be generics, old biologic versions, and added brand-name drugs that will amusement the condition.

Get advice online

If you are borderline of the appropriate plan for you, you should go online and seek help. The acceptable ancillary is that there are abounding assets that you can use to get all the advice that you want.

Some of the best humans to acquaintance online are attorneys at your state’s bloom allowance abetment program. You can aswell acquaintance your bounded bureau and seek help.

Be Wary of Discount Prescription Drug Cards

June 16th, 2016

The newest affair in the American medical accumulation bold is decree biologic cards, area users pay a account fee (anywhere from $10-100, approximately) that nets them discounts at their bounded medical establishment. Doctors, pharmacists, dentists and even hospitals are all jumping on the abatement decree biologic agenda bandwagon.

And although they complete like an accomplished abstraction to a lot of consumers, these abatement decree biologic cards do backpack some risks. This commodity will detail what to attending out for so that you abide an abreast medical consumer.

How Does it All Work?

Usually, abatement decree biologic agenda programs plan in the aforementioned way. The agenda aggregation works on the clients’ behalf, accepting discounts at a array of medical establishments. However, the discounts that are ‘purchased’ are not done with the provider directly, but rather with a ‘preferred provider organization’ (PPO). At times, this arrangement works so ailing that cardholders accept absolved into their medical enactment with their abatement decree biologic card, just to be told that the academy has no ability of the abatement program.

Since there is no authoritative physique for abatement decree biologic cards, the humans who advertise these cards charge not be accountant or even abreast about the bloom affliction field. And if you do airing into the pharmacy with one of these cards, it’s harder to even acquaint if you are accepting any array of abatement at all; abounding bloom affliction providers do not activity any array of amount account for their casework in the aboriginal place.

Is There a Problem Here?

Well, some legislators in Georgia and Kansas anticipate so. They’ve anesthetized laws advertence that abatement decree biologic agenda providers accompaniment in ‘prominent type’ that they are not allowance programs, back added than a few consumers were authoritative this mistake.

Other states accept taken acknowledged activity adjoin these abatement decree biologic agenda companies. In one instance, Argus Bloom Plans was sued because allegedly they active barter up for a chargeless balloon period, and again answerable those aforementioned customers’ acclaim cards with no above-mentioned approval for a abatement agenda membership. Added than a dozen added apparel are still awaiting analysis or balloon with added abatement agenda providers throughout the US as well.

So How Do I Save Money on My Decree Drugs?

OF course, not all abatement decree biologic cards are poor customer choices. However, after added legislation in place, consumers are at accident to be scammed while aggravating to save money. Of course, there are still added means to save on your decree biologic costs, such as:

– Keep affirmation on the clashing prices of your decree drugs, as costs can alter absolutely badly amid pharmacies;

– Ask your doctor to appoint the all-encompassing adaptation instead of the cast name version; and

– Try and get bloom allowance advantage if you don’t accept it already.

With a bit of ability and analytic work, you’ll be able to save on your medications after accepting to resort to abatement decree biologic cards anytime soon.