Q. What is the name of this prescription discount card?
A. The name of the card is the U.S. Pharmacy - United Consumer Benefits Rx Discount Card.
Q. Who is the provider of this prescription discount card?
A. U.S. Pharmacy Card is providing this Rx discount card to United Consumer Benefits. WellDyne is the PBM (pharmacy benefits manager).
Q. What is the retail value of the card?
A. Other cards cost $30.00 or more, and many have recurring monthly fees, yet few have the consistent discounts that this card offers.
Q. Do I have to register the card before using it?
A. No, simply take your card to a participating pharmacy and present it to the pharmacist along with your prescription. Pre-registration is not required.
Q. How many pharmacies are in the network?
A. There are more than 59,000 pharmacies in the network, including all major pharmacy chains and most independent pharmacies in all 50 states.
Q. How does a cardholder determine which pharmacies participate in the network?
A. You can use this website to locate all of the participating pharmacies. You can search for the pharmacies in your area by just clicking on the "Find A Pharmacy" menu button above. Virtually every major chain and most independent pharmacies participate in the network, so locating a pharmacy is simple.
Q. Does a cardholder need more than one card for his or her family?
A. No. A cardholder can use one card for his or her entire family, but it might be prudent for each spouse to have a card. You can print one or more cards by going to the "Print Your Card Now" menu button above.
Q. Is the discount prescription card insurance?
A. No. The card is not insurance nor is it intended to replace insurance. A cardholder that is covered by health insurance will usually receive the greatest benefit by using his or her health insurance prescription card; but it does pay to compare cards. Many times, you will save more money by using this discount card, especially while you are working toward reaching your deductible.
Q. Can a health insurance prescription card be used at the same time with the Discount Pharmacy Card?
A. No. Only one card can be used when filling a prescription. However, if a prescription is not covered under a particular plan, then someone may go to a participating network pharmacy and use the card to obtain a discount.
Q. Are some drugs covered under the card that other prescription plans do not cover?
A. Yes, occasionally. In the event that a health insurance prescription plan does not provide a discount for a particular drug, it is likely that our card will provide a discount for that drug, as more than 60,000 medications are included in our formulary.
Q. How much does a cardholder save using the Card?
A. A cardholder can save up to as much as 85% on an individual prescription. Annual savings generally range up to 60% although individuals and families may save more depending on the medications purchased. Remember that an entire family can use the card. Our cardholders saved an average of 39.5% in 2009, over 45% in 2010 and saved 55% in 2011.
Q. Are there limits on usage?
A. No. A cardholder and his or her family may use the card as often as needed. Family members include all dependents, including grandchildren.
Q. Is there an expiration date for the card?
A. No. There is no expiration date for the card.
Q. Does everyone qualify to use the card?
A. Yes. There are no restrictions, and anyone over the age of 18 may use the card. This does not prevent a parent or guardian from obtaining discounts on prescriptions for their dependents who are under the age of 18 years.
Q. If I have a health insurance plan with a prescription card, can I use your card if the prescription is cheaper using your card?
A. Yes, however, unless the cardholder has not yet reached his or her annual insurance deductible, it is most likely that he or she will want to use the insurance benefits. If the cardholder does use our card instead of his or her prescription card, then the cardholder will most likely need to send a copy of the receipt to the insurance company to ensure that the amount paid is applied to the annual deductible. If the cardholder registers our card with his or her pharmacy, and it is the same pharmacy that his or her health prescription plan is registered, the cardholder will have to indicate which plan is being used for future prescription purchases.
Q. What if the cardholder has a high deductible health insurance plan?
A. The cardholder may use our card to save on prescriptions until he or she reaches the deductible amount. Remember, as noted above, the cardholder may need to submit receipts to the insurance company.
Q. What if the cardholder is a Medicare Part D participant?
A. Medicare Part D participants are usually age 65 and over. There is a hole in participant coverage that is called the "donut hole," and Medicare participants can pay up to $1,200 per year out of pocket. Our card can help participants in the "donut" phase save on their prescriptions if they don't have supplemental coverage.