Can You Use RxSaver If You Have Insurance?

Most Americans rely on their health insurance to offer them the best price on their medications, but your insurance doesn't automatically offer you the cheapest price on your prescription. Factors such as your deductible, drug formulary, and prior authorization can make out-of-pocket costs high and most people don’t realize there are other options besides your health insurance.

RxSaver™ is a free prescription coupon platform, available online and as a free mobile app, that allows you to find cheap prescription coupons on your prescription medications.

RxSaver is an easy way to know you’re getting the best price, whether you have health insurance or not. You should always check RxSaver before filling a prescription to determine the best price option for your medication.

Can you use RxSaver as insurance?

RxSaver is not insurance. RxSaver is a coupon program that helps you save money on prescription medications. Unlike insurance, RxSaver is free to use and there’s no sign-in or membership registration required.

If you have health insurance, you can use an RxSaver coupon instead of your insurance benefit at the pharmacy counter. It’s important to tell the pharmacy tech you want to use an RxSaver coupon in place of your insurance if its already on file.

I already have insurance through my employer, can I still use RxSaver?

Yes. RxSaver coupons often beat insurance copays and will always offer savings off cash prices on prescriptions. A quick search of your medication on RxSaver will determine if an RxSaver coupon will beat your insurance copay price. Once you find an RxSaver coupon that saves you more than your insurance, you can use the coupon in place of your insurance at the pharmacy counter.

Can I combine RxSaver with my insurance?

No, it is not possible to combine RxSaver coupons with health insurance benefits. Your pharmacist can apply either the RxSaver coupon or your insurance benefit to your prescription. RxSaver may be dramatically cheaper than your copay, especially if you carry High Deductible Health Insurance, or if your medication is not covered on your insurance formulary. It’s important to know that when you use cash discount cards like RxSaver, the price of your prescription will not automatically be applied towards your insurance deductible.

How do I use an RxSaver coupon at the pharmacy if I have insurance?

If you already have insurance on file at the pharmacy, ask the pharmacy to use the RxSaver coupon instead of automatically applying your insurance to the prescription cost. The pharmacist will need to know the specific codes located on the individual RxSaver coupon you are using, so make sure to have the coupon ready. If you want to call in your coupon ahead of time, simply call the pharmacy and ask that the coupon be applied over the phone prior to picking up your prescription.

Will my insurance reimburse me if I use RxSaver?

RxSaver coupons do not count towards an insurance deductible so do consider this factor when determining if you want to use your insurance or RxSaver on your next prescription.

I don’t have insurance, can I still use RxSaver?

Of course. RxSaver coupons can help you save on prescription medication costs if you don’t have insurance. RxSaver helps customers by offering discount coupons on cash prices with pharmacies. Always search RxSaver before filling your prescription to determine which pharmacy closest to you will save the most off your prescription medication.

Can I use RxSaver if I have Medicare Part D?

Yes, but you cannot combine RxSaver with Medicare Part D. You can use an RxSaver coupon in place of your Medicare Part D benefit. Be sure to tell your pharmacist you want to use an RxSaver coupon instead of your Medicare Part D benefit prior to filling your prescription.

Does RxSaver have better pricing than my insurance?

​​​​​​​RxSaver may offer a lower prescription cost than your copay or deductible, so it’s important to check both your insurance copay price and RxSaver before filling your prescription.

It’s easy to determine what price you would pay using RxSaver. Search for your prescription medication on our website or download the free app available on iOS and Android, before heading out to the pharmacy. If you find a coupon, show the coupon at the pharmacy you selected, and ask the pharmacist to determine whether your insurance copay or RxSaver offers a better price on your medication.

Can I count RxSaver savings towards my deductible?

If you use an RxSaver coupon for your prescription, you cannot count the prescription towards your insurance deductible.

Your Health Insurance Doesn’t Always Offer The Best Rx Price

RxSaver may beat your copay price which is why it’s so important to check RxSaver before filling your prescription. If you need to switch your pharmacy in order to use the cheapest RxSaver coupon in your area, you can do so in three easy steps. Now that you know your health insurance isn’t the only option for saving on medication costs, be sure to use RxSaver on each new prescription and every medication refill.