Can you be on Medicare and still use GoodRx?


Editorial team Published on

đź’ˇ Direct Answer

You cannot combine GoodRx and Medicare at the same time, but you can use a GoodRx discount instead of your Medicare coverage for a specific prescription.

⚖️ How It Works

  • One or the other: You must choose either your Medicare Part D/Advantage copay or the GoodRx cash price.
  • No combining: Pharmacists cannot run both Medicare and a GoodRx coupon for the same fill.
  • Separate transactions: Ask the pharmacist to process the fill as a cash-pay transaction using the GoodRx coupon.

🛑 Important Trade-offs

  • No deductible credit: GoodRx purchases do not count toward your Medicare deductible or out-of-pocket maximum.
  • Loss of safety net: Spending outside insurance won't help you reach yearly Medicare catastrophic caps.
  • Keep Part D active: Dropping Medicare entirely can trigger late-enrollment penalties.

đź“Ś When to Use GoodRx

  • Uncovered drugs: The medication is not on your Medicare plan's formulary.
  • Cheaper price: The GoodRx coupon price is lower than your Medicare copay.
  • Early year: You are far from meeting your annual deductible anyway.