Can you use GoodRx with insurance?
Asked by: Tamara Quigley | Last update: February 22, 2025Score: 4.1/5 (35 votes)
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.
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 you use GoodRx with insurance deductible?
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.
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.
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Why do pharmacies not like GoodRx?
“Pharmacies hate GoodRx's system since they lose money from the potential profit, they would have made from cash paying customers and then also lose money when they pay a fee for selling to a patient who might have used their pharmacy anyway,” says Dr. Fein.
Can you use GoodRx if your insurance doesn t cover a medication?
When the GoodRx price is better than their copay, patients can use GoodRx instead of their insurance. If expensive generic or brand-name medications are not covered by insurance, patients might find a more affordable cash price using GoodRx.
Do pharmacists actually accept GoodRx?
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 an RX discount card with insurance?
No. Only use your prescription discount card to purchase non-covered medications.
How many times can you use GoodRx for a prescription?
Do they expire? GoodRx coupons themselves do not expire; you are able to re-use the coupons as many times as you would like. However, we recommend you always obtain a new coupon from the website before refilling so you are receiving the most up to date price when you pick up your prescription.
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.
Why is my prescription copay so high?
Some pharmaceutical companies acquire patents for older drugs and then jack up the price. Others have bought or merged with another drugmaker to avoid price competition. Direct-to-consumer advertising. Drug companies spend billions on ads (nearly $8.1 billion in 2022).
Does Costco take GoodRx?
GoodRx is accepted at more than 70,000 pharmacies nationwide — including major chains like CVS, Rite Aid, Costco, VONS, and Albertsons!
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 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.
Can you use a coupon on top of insurance?
It is important to note that these coupons cannot be used in conjunction with government insurance programs – i.e., Medicare and Medicaid. However, almost everyone else can and should use them if reducing their drug cost is a priority.
Can I use GoodRx along with my insurance?
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.
What is the catch to GoodRx?
“Keep in mind you cannot use GoodRx and insurance at the same time,” the company's website says. Using a GoodRx coupon means you're doing a “cash” payment for your medications. (In this context, paying “cash” means you're paying out of pocket — without insurance.)
Is there anything better than GoodRx?
Is there anything better than GoodRx? The BuzzRx discount card is one of the best prescription discount cards available, especially for people who don't have health insurance or who don't have prescription drug coverage under their health insurance plans.
Who stopped accepting GoodRx?
But throughout much of 2022, GoodRx was embroiled in a dispute with Kroger. The dispute became public in the spring of that year when Kroger suddenly stopped accepting GoodRx discounts.
Can Walgreens deny GoodRx?
Walgreens stopped accepting GoodRx coupons in early 2023 due to disputes over reimbursement rates with pharmacy benefit managers (PBMs). GoodRx partners with PBMs to negotiate discounts on medications, and Walgreens reportedly decided to end these agreements because the terms were no longer favorable for them.
Who pays the difference when using GoodRx?
By using GoodRx in place of your insurance, you're paying for the cash price of a medication, rather than the insurance price. While a medication may be cheaper this way, the fact of the matter is you're still not using your insurance—which you already pay for.
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.
What is an insurance donut hole?
The donut hole was a temporary limit on what the drug plan would cover for drugs.
What is the 28 day prescription rule for controlled substances?
It refers to the number of days you may need to wait between refills of 30-day prescriptions that are considered controlled substances. If you have a medication that follows the 28-day rule on a 30-day supply, it means you can get a refill no earlier than 2 days before the 30 days are up.