Why should I check SaveOnRx if I have Medicare?

Even with Medicare Advantage or Medicare Part D, Medicare drug prices may still be expensive if you don’t qualify for low income subsidies like Extra Help. On some prescription drugs, you can actually save more by using a free SaveOnRx prescription discount card instead of Medicare.

Can you use SaveOnRx with Medicare?

Anyone can use SaveOnRx’s free drug coupons, even if you receive drug coverage through Medicare Advantage or Medicare Part D. Ask a pharmacist to compare what you would pay under SaveOnRx vs. Medicare to see if you can save on your medications. Please note, however, that SaveOnRx and Medicare cannot be used together—you have to use one or the other.

When should I use SaveOnRx instead of Medicare?

SaveOnRx can help Medicare consumers save on prescriptions when:

• You don’t have drug coverage through Medicare Advantage or Medicare Part D
• SaveOnRx prices are lower than your Medicare copay or coinsurance (compare prices on saveonrx.net before you go to the pharmacy)
• Your medication isn’t covered by your Medicare Part D plan
• You’re in the Medicare donut hole (also known as the coverage gap)

Note: If you use a discount card like SaveOnRx instead of Medicare, your out-of-pocket costs will not apply to your Medicare deductible.

Why isn’t Medicare always the cheapest option?

Medicare Advantage and Part D have different tiers of coverage. Tier 1 drugs usually have the lowest copay. The higher the tier, the more you’ll usually pay out of pocket. So even if your drug is covered by your Medicare plan, your SaveOnRx discount may be greater than your Medicare discount, unless you qualify for Medicare Part D’s low income subsidy called Extra Help.

Which Medicare parts cover prescriptions?

Medicare Part D covers prescriptions. If you have Medicare Part A or Part B, you can enroll in separate Medicare drug coverage through Medicare Part D. Medicare Advantage (also called Part C) can bundle Medicare Part A, B, and D. Consumers are not always automatically enrolled in prescription drug coverage. Low-income Medicare consumers who also qualify for Medicaid, a Medicare Savings Program, or Extra Help, are automatically enrolled into Medicare Part D.

What medications are covered by Medicare?

Each Medicare drug plan has its own list of drugs that are covered. This is called a formulary. Medicare Advantage and Part D formularies must include at least two drugs in the most commonly prescribed drug classes. However, your Medicare formulary might not include the specific drug you need. In this case, you should consider switching to another Medicare Part D plan during open enrollment.

Some medications aren’t covered at all by Medicare Part D, such as certain brand-name drugs, weight-loss drugs, sexual dysfunction drugs, prescription vitamins, and more. In these cases, and at times when you cannot switch plans, SaveOnRx may be your cheapest option.