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@FicoMike0 wrote:That's interesting, @AndrewF
How does goodrx gold work, is it direct mail order?
I usually check goodrx when I get a new script, but not familiar with gold version.
My most recent drug is eliquis, 5 mg x 2, 30 days. My insurance co pay is $62, good rx offers a coupon at Kroger for $350.
GoodRX Gold works the same way the GoodRX app already does except you pay for it. It's either $9.99 a month or $89.99 a year (paid in one lump), and once your account is "Gold", you see better prices at participating "Gold" pharmacies that have worked out better deals with GoodRX for this program.
You also get a consistent member card for Gold where all the numbers and stuff change depending on pharmacy and prescription under the free version of GoodRX. So once your Gold is on file, you always use that card to fill the prescriptions.
Some participating pharmacies have lower prices than their Gold contract if you're a member. For example, Costco has lower pharmacy prices for Costco members than their Gold contract. (Anyone can use the pharmacy at Costco or Sam's due to the laws in most states. You tell the greeter that you're not a member but you're there to use the pharmacy.)
But CVS, Walgreens, and Jewel can be a better savings with Gold and CVS has an additional discount for 180 day fills (so does Meijer, but the closest one is a 28 minute drive). You can verify whether you'll save more by switching that medicine and dosage to the number of pills you take over 180 days.
For example, one prescription that I take one pill per day is $34 for 90, or $37 for 180. Another one where I take 3 pills per day (270 for 90 days or 540 for 180 days) is $55 for the 90 day supply vs $77 for the 180 day supply.
CVS is interested in selling in bulk so they pass those discounts to you because they sell more meds at once, and the pharmacist tends to use less time, less bottles, and they only pay to run GoodRX one time instead of twice (GoodRX bills the pharmacy about $3 each time they run it).
If you want, you can call the 800 number and request a physical Gold Card, but it's already on your phone as soon as you sign up. You get a free trial first.
Gold also lets you use $19 telehealth visits. I did it once for a sinus infection, and I spoke with an NP in Minnesota, but she was able to call in some Tesselon Perles and antibiotics to Jewel. I also did it for my spouse and they called in Tamiflu when he had the flu.
I recommend keeping some combination flu and COVID test kits in your bathroom mirror because it helps if you come down with flu or COVID to be able to tell them that's what it is so they can call in antivirals. And if it's negative, that rules it out, so they know it's something else.
I like the $19 telehealth because if I go to the walk in clinic my copay usually ends up being about $40-50.
I'm seeing enough savings over the year that Gold is saving me well over $100 a year over the price of the membership, so it makes sense for me. The more prescriptions you fill with it and get the better price, the more likely you will benefit from the membership level.
I've checked SingleCare and BuzzRX, and rarely do I find competitive prices on those.
GoodRX also has a program where you get $1 worth of points every time you fill any prescription with GoodRX. You can redeem those for gift cards or money off your next refill.
I always take them as gift cards though.
Gold has a slightly higher fee if you want a family plan.
You do not all need to live in the same household and it lets you add 5 additional people, and costs $179.99 a month.
So potentially you get an even better deal since they all get their own Gold card and you rack up the points for their fills as well.
Gold does have a mail order option, but your mileage may vary with prices.
They will help you transfer fills from a pharmacy to Gold Home Delivery if you call their 800 number, so if you do find it more convenient or lower priced then you can easily move them over. There are also instructions for having your doctor send them in.
Really if you're into mail order and want good prices, check out Mark Cuban Cost Plus Drugs.
They have decent prices. They can only give you the price for 90 days worth up front when you check, but it says that they can process a fill for any amount your doctor writes. So if you want to see if there are 180 day fill savings, you could call them or just have the doctor send it, and find out I guess.
@Vinjints wrote:That's very different than my experience with Walmart (with Aven at least. Everything in the superstore was coded as grocery, including auto services. The pharmacies were the only ones that were not.
Oh, interesting. I guess I lucked out with ours since I don't see any reason Aven would handle the pharmacy differently than PayPal. Our Walmart is in a fairly rural area and pretty small for a supercenter (no auto services, in-store restaurants, etc.), so I don't know if that has something to do with it.
I just noticed that GoodRX Gold is no longer being promoted on their website.
Now they're pitching something called Companion which costs more, but has discounts on labs, radiology, MRI, dental procedures, and vision care (like LASIK or eye exams and glasses).
I suppose I might now be grandfathered into Gold? I'll be keeping it for a while because those other benefits are duplicative with my insurance.
Edit: Confirmed. I called my Gold support hotline and the agent told me they're replacing Gold with Companion.
He told me that some of the prescription benefits will be better under Companion. As it stands, you don't pay more in any event under Companion vs. Gold at the pharmacy, but they've added "several hundred" that are now more aggressively discounted than Gold and "over 200" that have no out of pocket cost at all with Companion.
If you take advantage of the 200 free medications on Companion, you only get them free if you do a 30 day fill, otherwise you pay like $5 for 90. I checked Sertraline (generic Zoloft) 50 mg in Companion vs. Gold. In Gold it's $20 for 30 or 90 for $29 at CVS.
So I suppose you could save money but there will be more trips to the pharmacy.
I found three of my meds that would be $0 for thirty days.
But I'd have to drive to the next town over and use Marianos (Kroger) pharmacy for them and come back every 30 days, otherwise the price is similar with Companion to Gold.
Also worth noting, Costco has a gold contract but not a companion one. But Costco has a member's savings card of their own.
The prices are not as competitive as Gold at CVS but if they roll out a massive price hike for Companion and force me onto it, I might move my meds to Costco and use my Member's card there.
Edit: Talked to another person there.
He says that since I already have Gold I can keep it, and it will renew at the price I'm paying now indefinitely, but if I ever cancel it I could only subscribe to Companion or use the free GoodRX. I couldn't get Gold back. And I can still change between Individual or Family.
They've also eliminate the Gold family plans and the discount for paying annually with Companion, so you're talking $14.99 per month per person.
@FicoMike0 wrote:That's interesting, @AndrewF
How does goodrx gold work, is it direct mail order?
I usually check goodrx when I get a new script, but not familiar with gold version.
My most recent drug is eliquis, 5 mg x 2, 30 days. My insurance co pay is $62, good rx offers a coupon at Kroger for $350.
The price at Marianos which is Kroger here, is $184.71 for that but at Meijer it's $173.76, both with Gold.
You can save a little at Meijer with 90 days, that reduces each 30 to like $168.
GoodRX and Gold are best if you take generic medicine. A generic for Elliquis has been FDA approved but isn't expected to be available intul April 2028.
My guess is some sort of pay for delay agreement. After drug patents run out, drug companies commonly protect their monopoly by paying generic companies to delay theirs for several years.
Since you are commercially insured, here's a co-pay card that might get you a 90 day fill for $10 followed by a $30 co-pay for your future 90 day fills.
These are quite common, the co-pay cards. They also have programs for if you aren't insured where you might get free medicine in the mail from the drug company. I was on that for Crestor before the patent expired.
After you use your commercial insurance and the co-pay card, you can still use your supermarket category credit card on the remaining co-pay. It sounds like on an ongoing basis you might switch to 90 day fills and save $150 each 90 days vs. how you fill it now.
Thanks, @AndrewF
I don't have commercial ins, I have Medicare advantage. I'm disqualified for any of the discount deals. It really only gets bad later in the year, when I fall into the donut hole.
The best I've come up with is I got my doc to double the dose of my most expensive drug, I just cut them in half.
I use cvs caremark, I'm going to look into that 120 day thing .
I think the Medicare Advantage plans have to follow the same rule as Part D plans and cap your out of pocket maximum to $2000 a year.
That's about four times more than all my meds at GoodRX Gold prices so it wouldn't make sense to run them through Part D.
I parked my Part D on Wellcare because they have a a zero dollar premium and at least it pays for 90 day fills of my cholesterol and blood pressure meds.
Did some more digging. You might be eligible for an Elliquis free trial card.
They say government insured patients can use that card after getting one from their doctor and activating it on that page.
If it pays for even one fill that's something, but they also have information on how to get screened for Extra Help from Part D.
I had Extra Help for a while until they determined that being married made me ineligible due to marital income.
@AndrewF wrote:I think the Medicare Advantage plans have to follow the same rule as Part D plans and cap your out of pocket maximum to $2000 a year.
That's about four times more than all my meds at GoodRX Gold prices so it wouldn't make sense to run them through Part D.
I parked my Part D on Wellcare because they have a a zero dollar premium and at least it pays for 90 day fills of my cholesterol and blood pressure meds.
Did some more digging. You might be eligible for an Elliquis free trial card.
They say government insured patients can use that card after getting one from their doctor and activating it on that page.
If it pays for even one fill that's something, but they also have information on how to get screened for Extra Help from Part D.
I had Extra Help for a while until they determined that being married made me ineligible due to marital income.
The free trial offer exempts anyone on a government health plan, including Medicare.
The reason why people can't take advantage of these deals on Medicare and over government health care is because of the federal Anti-Kickback Statute in 1972. Basically, the government was worried that these incentives and rebates would push people to more expensive meds and cost the government more money, so they barred anyone on government programs from being eligible and permanently locked them into paying the exorbitant prices themselves instead.
My doctor put me on my first "I'm old and things are breaking" med in January, Gemtesa. If I didn't have Extra Help and Medicare Advantage it would be $600 a month from the local pharmacy. The older meds are dangerous for me so we didn't even try them. My doctor was actually really surprised that my plan covers it though, he said most plans force people on to Myrbetriq and a BP med instead.
"Government-insured patients are eligible for the ELIQUIS Free Trial Offer Card."
If it wasn't legal I'm sure that the Bristol Myers Squibb Web site wouldn't say you can use it.
Notable is that you cannot use the copay card with Medicare but you can use the free trial card.
I'm guessing the law doesn't let them lower your copay but that the free trial card is legally no different than GoodRX offering free zero copay drugs on the Companion program. You're not going through Medicare at all when you use GoodRX, you're a cash patient.
@AndrewF wrote:"Government-insured patients are eligible for the ELIQUIS Free Trial Offer Card."
If it wasn't legal I'm sure that the Bristol Myers Squibb Web site wouldn't say you can use it.
Notable is that you cannot use the copay card with Medicare but you can use the free trial card.
I'm guessing the law doesn't let them lower your copay but that the free trial card is legally no different than GoodRX offering free zero copay drugs on the Companion program. You're not going through Medicare at all when you use GoodRX, you're a cash patient.
Ah, when you click it shows you the terms for the PAP on the left and the trial on the right. I didn't read the header I guess.
Unfortunately, it also says for the trial eligibility
"You have not previously filled a prescription for ELIQUIS;"
Which would automatically exempt the free trial in this situation anyway.