Sometimes, insurance isn’t the best deal — because of high deductibles or high co-pays, or because maybe your drug isn’t covered at all. In many cases, GoodRx prices actually beat insurance prices (a co-pay or co-insurance charge). The good news is you can use GoodRx instead of insurance. Here’s a guide to making the right call.
GoodRx often beats insurance co-pays on the most popular medications
For 100 of the most popular drugs, GoodRx provides an average savings of 75% off insurance prices
70% of GoodRx customers have insurance
You don't have to wait until you get to the pharmacy cash register – you can compare prices at home. Here's how:
Log on to your insurance company portal and find the "Price a Medication" link under your Pharmacy Benefits. Note any restrictions, such as prior authorization, step therapy, or quantity limits. Also, see if you’re under a deductible, which would have you pay full price for your prescription until you reach the out-of-pocket limit.
GoodRx lists free discount prices and provides coupons so you can receive a discounted price when you pick up your prescription. It’s all free!
Depending what your co-pay fee or co-insurance percentage charge is, GoodRx might be the better way to go to save more.
When you use GoodRx, you are choosing to pay without your insurance, but you can ask your insurer to reimburse you or to apply your purchase against your deductible.
Here’s the deal:
Paying with a GoodRx coupon is considered an “out-of-network” purchase, and it’s up to the insurance company to decide if they’ll pay you back — or whether they’ll count it toward your deductible. Frankly, it’s often tough to get a straight answer on the rules; when we called several insurance companies to ask about their policy, we got different answers, even from the same company, depending on who we talked to.
So, while we can’t promise you’ll get reimbursed, it can be worth trying. Here’s how: