Medicare, Medicaid, Life and Health Insurance/Pharmacy Discount Cards

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Question
Hi,
To add to the opaque area of prescription costs, there are various pharmacy discount cards that either come in the mail or are available for sign-up on the internet.  Can you tell me how these work and whether they really are worthwhile?  I already have Blue Cross Blue Shield, so do these work in conjunction with insurance plans or are they for people who don't have health insurance?
Carl

Answer
Hi Carl!

Not sure what type of discount cards you are receiving since I do not get any here in NJ but I would assume they are for people who do not have a RX plan.  Probably not worth the price to have if you have regular plan.

However there are RX companies now that will help you pay your copay amount for certain drugs.  So check on line for all your RX to see if the RX company has a rebate.  I got a credit card from a RX company when I had tried Retasis recently and they allowed me to charge my copay each month on their credit card which they paid.  Saved me over $100 on my copay amount for 3 months.  I had never heard about this prior since I do not take regular drugs but this was a great incentive for me to try Retasis.

Tricia

Medicare, Medicaid, Life and Health Insurance

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Tricia

Expertise

Has your medical insurance company denied your claim and refuses to pay? Have you received a pre-authorization and still your insurance company refuses to pay? How can you get your insurance company to reverse a denied claim? How do you get a provider to waive your copayment if you are financially unable to pay? Can a provider sue you for a unpaid bill and will they? Can a provider send me to a collection agency for a medical bill? If my insurance company does not pay, am I responsible? If you have these questions or others on why your insurance company is not paying your bills, I can help. I can give you "tricks of the trade" to get your insurance company to pay. I have limited knowledge on Medicare and Medicaid and that is not my expertise. Each state is very different regarding Medicare and Medicaid so you need to review their website when you have questions. So please no Medicare or Medicaid questions!!

Experience

In the medical field for over 20 years spending majority of time in the collections aspect.

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