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Ordinarily, major medical plans offer a prescription benefit. Additionally, managed care plans, such as HMOs usually cover prescriptions if participating pharmacies are used.
As an alternative, prescription discount plans are available. Many pharmacies, particularly national or regional chains have them as a means of creating customer loyalty. There are also commercial discount plans for which one pays a fee to join. It is important when joining a commercial discount plan to ensure that the drugs that you use and the pharmacy that you frequent are included on the plan. Both drugs and pharmacies can discontinue involvement, so it is also important to periodically check status.
Finally, understand that a discount plan is not the same as insurance. The discount plan only entitles you to a reduced price for the prescription. You are fully responsible for paying the cost of the prescription.
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