Does GoodRx work if you have insurance?

Asked by: Lambert Jacobson  |  Last update: April 27, 2025
Score: 4.6/5 (7 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.

Does GoodRx work if you already have insurance?

You can use a GoodRx discount instead of your prescription insurance or Medicare if the cost is lower. However, GoodRx cannot be combined with your insurance or any federal or state-funded program such as Medicare or Medicaid.

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?

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.

Can I use an RX discount card with insurance?

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

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 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.

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 you have federal 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 GoodRx cheaper than my insurance?

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 a pharmacy reject 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 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.

Which is better, GoodRx or SingleCare?

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. The tradeoff is the extra features GoodRx offers in its paid plans and affordable telehealth appointments.

What is the difference between GoodRx and GoodRx Gold?

What's the difference between GoodRx and GoodRx Gold? GoodRx Gold is a drug savings program where you pay a membership fee to join. Just like GoodRx, GoodRx Gold gives you access to drugs at discounted prices at popular pharmacies in your area — but Gold offers even better prices and more convenience.

What is an insurance donut hole?

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

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!

Why can't you use GoodRx with insurance?

According to the company, “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.” Therefore, employees can try to get reimbursed for the prescription through insurance post- ...

Can you combine insurance and GoodRx?

Prescription discount programs like GoodRX cannot be combined with health insurance. You have to choose which one to use, and if you use the GoodRX, be aware that money spent won't count against your annual deductible. Can I use GoodRx if I have insurance or medicare? No.

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.

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.

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.

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.

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.

Do pharmacists actually accept GoodRx?

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! Click here for more information. Who can use GoodRx?