Can GoodRx be used with insurance?
Asked by: Toy Ward V | Last update: July 9, 2025Score: 4.7/5 (70 votes)
Can I use GoodRx card if I have insurance?
Yes, you can use a discount even if you have insurance
But if you do have insurance, you can always use a GoodRx discount instead of insurance if the cost is lower. Coupons can't be used to lower a copay, but you can ask your pharmacist to: Apply a coupon.
Can I use my insurance and GoodRx at the same time?
You can and should use a GoodRx discount instead of your health insurance or Medicare if the price is lower. Keep in mind that you cannot use GoodRx and insurance at the same time.
Where is GoodRx not accepted?
GoodRx Gold is accepted at thousands of pharmacies across the country, including CVS, Rite Aid, Costco, VONS, Publix, and Albertsons. See the full list here. GoodRx Gold is currently not accepted at Rite-Aid, Sam's Club, Walgreens, or Walmart.
Why do pharmacies not like GoodRx?
Because this is known scam for drug abusers to get controlled substances at a lower price and sell them later on. More importantly goodrx in general is a scam. They take an estimated cost and simply mark it down. They pocket a part of switch fees that pharmacy pays. So overall on many drugs the pharmacy takes a hit.
How Does GoodRx Make Money?
What is the disadvantage of GoodRx?
Predictability. GoodRx's prices “fluctuate frequently — daily, weekly or monthly” the company's website says. So it might be hard to predict what you'll pay and where you'll have to go for your medications from month to month.
Can a pharmacy refuse to honor GoodRx?
Are pharmacies required to accept GoodRx coupons? Participating pharmacies are required to accept GoodRx through contracts with their pharmacy benefit managers (PBMs). An exception is for controlled medications. Accepting a GoodRx coupon for a controlled medication is always at the discretion of the pharmacist.
Can I use GoodRx if my insurance doesn't cover it?
GoodRx is available to everyone in the United States, Puerto Rico and the U.S. Virgin Islands. You can use GoodRx whether you have insurance, Medicare or no insurance coverage at all. GoodRx can be used for your pet medications, as well!
Did CVS stop taking GoodRx?
GoodRx is accepted at more than 70,000 pharmacies nationwide — including major chains like CVS, Rite Aid, Costco, VONS, and Albertsons!
Does Walmart have to honor GoodRx?
GoodRx discounts are still accepted at Walmart and Sam's Club. If you have issues using a GoodRx discount at a Walmart or Sam's Club, please have the pharmacist call 1-866-921-7286. Thanks!
How often does GoodRx beat insurance?
GoodRx Beats Insurance Copays 37% of the Time for Top Drugs. You have insurance, so you must be paying the lowest possible price for your prescription, right?
Can you use GoodRx if you have state insurance?
Yes, patients can use GoodRx instead of federal- or state-funded programs. However, GoodRx cannot be used together with federal- or state-funded programs to lower the medication copay or coinsurance.
Can I use a prescription discount card with insurance?
Downsides. Some can't be combined with insurance. You can't use a prescription discount card along with your insurance to save more money. That means any money you spend on prescriptions using a discount card won't be applied to your insurance deductible or out-of-pocket maximums.
Can you combine insurance and GoodRx?
However, GoodRx cannot be combined with your insurance or any federal or state-funded program such as Medicare or Medicaid. GoodRx is not insurance. If you choose to use a GoodRx coupon or your GoodRx Gold membership, it's important to ask the pharmacist not to run your prescription through your insurance or Medicare.
Why is my copay so high for prescriptions?
Formularies often have “tiers” that determine what the copay will be, with a “tier one” drug often being the cheapest, and the higher tiers more expensive. Pharmacy benefit managers usually take a cut of the rebate and then pass them on to the insurer. Insurers say they use use the money to lower costs for patients.
Can I use GoodRx if I'm in the donut hole?
Key takeaways:
You may want to consider using GoodRx instead of Medicare when Medicare doesn't cover your medication, when you won't reach your annual deductible, or when you're in the coverage gap phase (“donut hole”) of your Medicare plan.
Why is GoodRx charging me $9.99 a month?
Unless you have a discounted Membership Fee, you will be charged $9.99 for the Individual Membership or $19.99 for the Family Membership for each monthly Membership Cycle, or $89 for the Individual Membership and $179 for the Family Membership for each annual Membership Cycle prior to or at the beginning of each ...
Why are pharmacies dropping GoodRx?
Three independent pharmacies have filed separate lawsuits accusing GoodRx, which markets a prescription drug discount card, of conspiring with several pharmacy benefit managers to fix reimbursement fees, the latest skirmish over the opaque pharmaceutical supply chain in the U.S.
Why not to use GoodRx?
But earlier this year, GoodRx was penalized by the Federal Trade Commission, or FTC, for disclosing patients' personal health information without their consent. And using GoodRx's discounts isn't always easy or predictable.
Is it better to use insurance or GoodRx?
GoodRx coupons can provide better discounts than your insurance co-pays and negotiated prices. However, you can't use GoodRx and insurance together. Instead, you choose whichever gives you a better deal.
What is an insurance donut hole?
The donut hole was a temporary limit on what the drug plan would cover for drugs.
Can I pay cash for a prescription if I have insurance?
Is it legal to pay cash for prescriptions if you have insurance? Yes, it is legal to pay cash for your prescriptions even if you have insurance.
Is there a lawsuit against GoodRx?
Shortly after the FTC settlement was announced, a class action lawsuit was filed in the U.S. District Court of the Northern District of California against GoodRx that made similar allegations to the FTC – that personal information was disclosed to third parties without users' knowledge or consent, when they had been ...
How many times can I use GoodRx for the same prescription?
GoodRx coupons themselves do not expire; you are able to re-use the coupons as many times as you would like.
Who pays when you use GoodRx?
When you use GoodRx to pay for a prescription, you are choosing to pay without insurance. But you can ask your insurer to reimburse you or to apply your purchase against your deductible. Here's how to apply a payment made with a GoodRx coupon to your insurance deductible.