Discounted Prescription Drug Card in the United States

Separating medicine from treatment is the mainstream in America. Doctors prescribe, and patients take the prescriptions to a pharmacy to obtain medicine/drug. Even if you have American medical insurance (aka 美国医保), it is not cheap to see a doctor in the United States. The medicine costs a lot as well. If you have a prescription drug discount plan in your American health insurance (aka 美国医疗保险) plan, bring it with you and get a discount on your medicine.

When you buy a health insurance, you usually have optional packages, including prescription drug discounts and/or international student vaccine coverage (aka 留学生疫苗). The monthly premium will be different based on the kind of insurance package you choose. Hence, the total cost of your U.S. health insurance (aka 美国医保价格) will increase.

A prescription card is different from your international student health insurance (aka 留学生 保险) card. They are separated. Your health insurance card may be sponsored by UnitedHealthcare, Anthem, or Blue Cross Blue Shield. Your prescription card may come from Express Scripts, Goodrx, etc.

An employee from Huhu Health Insurance (aka 虎虎保险) Prescription cards have different discounts according to the category of drugs. Some prescription drugs are paid in full; others are given 60% or 80% coinsurance. The dentist prescribed a painkiller and mouthwash after filling my teeth, of which the painkiller was free. With the 60% coinsurance, I paid $4 out of the $10 mouthwash.

What should I do if I forget to bring my prescription card when I take the medicine?

Pay in full first. Next time when go back to the pharmacy with the card, explain the situation, and the pharmacy will return the overpaid medicine fee. Usually you get your medicine from the same pharmacy. So, after the first submission of your prescription card, there will be a record profiling your card information. In addition, if you have a Health Savings account (HSA) and a Health reimbursement arrangement (HRA), you can use it without paying extra money. Deposits in the above two accounts are tax-free and can only be used for medical expenses.

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