Does GoodRx work if you already have insurance?

Asked by: Adam Dare  |  Last update: July 26, 2025
Score: 4.2/5 (41 votes)

Keep in mind that you cannot use GoodRx and insurance at the same time. However, you can use GoodRx instead of insurance or government-funded programs, such as Medicare or Medicaid, to pay for your prescription medications. GoodRx is not insurance.

Can I use GoodRx even if I have insurance?

Yes, it works. You can either get a card or print out the coupons (reusable and never expire). However, whatever prescriptions you use GoodRx for will not count for your deductible if you have insurance (since you will use that program to get the price instead of your insurance).

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.

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.

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?

How to Use GoodRx With Your Health Insurance

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Can you stack GoodRx and insurance?

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.

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.

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.

Is anything cheaper than GoodRx?

Bottom Line. SingleCare and GoodRx make prescription drug prices more affordable for consumers. Both companies have identical aims, but SingleCare generally offers lower pricing and free delivery.

How many times can I use GoodRx for the same prescription?

GoodRx coupons represent prices provided by PBMs. Unlike manufacturer copay cards, GoodRx coupons have no eligibility requirements, no activation step, and no restrictions on how many times the coupon can be used.

What is the GoodRx scandal?

According to the FTC's complaint, GoodRx violated the FTC Act by sharing sensitive personal health information for years with advertising companies and platforms—contrary to its privacy promises—and failed to report these unauthorized disclosures as required by the Health Breach Notification Rule.

Is Walmart no longer accepting 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.

Who is GoodRx's biggest competitor?

  • The top GoodRx competitors are.
  • Blink Health.
  • SingleCare.
  • RxSaver.
  • WellRx.
  • Optum Perks.
  • Express Scripts.
  • MedImpact.

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.

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!

Can you use a prescription discount card with insurance?

No. Only use your prescription discount card to purchase non-covered medications.

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.

What is the best prescription discount program?

Top-Rated Prescription Discount Cards
  • GoodRx. GoodRx is one of the most widely known prescription discount card programs, accepted at more than 70,000 pharmacies across the U.S. You can save up to 80 percent on medications using the free GoodRx card. ...
  • WellRx. ...
  • America's Pharmacy. ...
  • Choice Drug Card. ...
  • SingleCare. ...
  • ValpakRx.

Does Walmart honor GoodRx prices?

GoodRx is accepted at virtually every one of the 70,000+ retail pharmacies in the United States, Puerto Rico, and the U.S. Virgin Islands — including major chains like CVS, Walgreens, Kroger, Rite Aid, Costco, Walmart and many more!

Does GoodRx work with insurance too?

Yes! Even if you have health insurance or Medicare, GoodRx can still help you control your prescription drug costs and find prices that are lower than your typical co-pay.

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 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 ...

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.

What is an insurance donut hole?

The donut hole was a temporary limit on what the drug plan would cover for drugs.

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.