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10 Easy Ways to Maximize Your Savings
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2 • Use the Contributor
Savings Card when Insurance Does Not Cover your Prescription(s)
Many insurance plans’ prescription benefits place limits on
the coverage they provide, including high deductibles, annual spending limits,
medicines excluded from coverage, high co-payments and others. While your
insurance may be the primary plan listed in your pharmacist's computer, there
may be many situations when you would be responsible to pay the entire cost of
the prescription out of your own pocket. Your Contributor Savings Card can help
in these situations. Just ask your pharmacist to check what the discounted
purchase price will be with your Contributor Savings Card.
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3 • Never Assume your
Insurance Plan's Co-Payment is your Best Deal
Regardless of your co-payment amount, it may be more
than the retail cost of your prescriptions using the Contributor Savings Card
prescription savings program.
Check the cost of all your family’s prescriptions (even pets’
prescriptions!) with your Contributor Savings Card. If your co-payment is less
expensive, purchase the medication through your health insurance plan; but if
the Contributor Savings Card price is cheaper than your co-payment, tell the
pharmacist you want to purchase the prescription using your Contributor Savings
Card instead.
Below are a few examples of how popular prescriptions might be cheaper using
the Contributor Savings Card. The savings on a 30-day supply of three common
prescriptions purchased at a retail pharmacy at the Contributor Savings Card
price are compared to typical insurance co-payments for the same medications.
(Your actual savings could be less or more, depending on the exact co-payments
your health insurance plan requires.) Just find the co-payment amount(s)
closest to the ones your plan requires in the table below to estimate your
family's savings.
If you don’t have health insurance, or your plan excludes prescriptions, your
savings could be greater.
Prescription
Medication
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Retail Price Using the
Contributor Savings Card
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Typical Insurance
Co-pay Amounts
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Savings on
this Purchase
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% of
Co-pay
Saved
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Projected Annual
Savings
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Atenolol, 50 mg.
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$7.04 for 30 tablets
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$10 for 30 tablets
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$2.96
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29.6%
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$35.52
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(the generic version of
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$15 for 30 tablets
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$7.96
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53.1%
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$96.52
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Tenormin)
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$20 for 30 tablets
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$12.96
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64.8%
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$155.52
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$25 for 30 tablets
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$17.96
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71.8%
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$215.52
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Isosorbide Mono ER, 60 mg.
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$11.95 for 30 tablets
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$10 for 30 tablets
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$0.00
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0.0%
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$0.00
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(the generic version of Imdur)
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$15 for 30 tablets
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$3.05
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20.3%
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$36.60
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$20 for 30 tablets
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$8.05
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40.3%
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$96.60
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$25 for 30 tablets
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$13.05
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52.2%
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$156.60
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Diazepam, 10 mg.
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$9.34 for 30 tablets
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$10 for 30 tablets
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$0.66
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6.6%
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$7.92
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$15 for 30 tablets
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$5.66
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37.7%
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$67.92
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$20 for 30 tablets
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$10.66
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53.3%
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$127.92
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$25 for 30 tablets
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$15.66
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62.6%
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$187.92
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*Prices
as of 2/04
** Projected annual savings are based on the monthly savings
Always ask what the Contributor Savings Card price is to
ensure that you are paying the lowest price available!
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4 • Use the Contributor
Savings Card mail order option, Caremark Mail Service Pharmacy
Unless a prescription is needed immediately, always
consider using the Contributor Savings Card to purchase a 90 day supply of
medicine through Caremarks’s mail service pharmacy. There usually is a price
advantage on selected medications over local pharmacies. (Caremark is the
Contributor Savings Card Pharmacy Benefits Manager.)
For example, the savings on a 90 day supply of three common prescriptions
purchased through Caremark’s home delivery service are compared to three
typical monthly insurance co-payments for the same medications in the table
below. (Your actual savings could be less or more, depending on the exact
co-payments your health insurance plan requires.) Just find the co-payment
amount(s) closest to the ones your plan requires in the table below to estimate
your family's savings.
If you do not have insurance for prescriptions, your savings could be even
greater.
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Prescription
Medication
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Home Delivery Price Using the
Contributor Savings Card
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Typical Insurance
Co-pay Amounts
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Savings on
this Purchase
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% of
Co-pay
Saved
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Projected Annual
Savings
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Atenolol, 50 mg.
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$14.00 for90 tablets
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$10 for 30 tablets
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$16.00
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53.3%
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$64.00
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(the generic version of
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$15 for 30 tablets
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$31.00
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68.9%
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$124.00
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Tenormin)
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$20 for 30 tablets
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$46.00
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76.7%
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$184.00
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$25 for 30 tablets
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$61.00
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81.3%
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$244.00
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Isosorbide Mono ER, 60 mg.
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$19.00 for 90 tablets
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$10 for 30 tablets
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$11.00
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36.7%
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$44.00
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(the generic version of Imdur)
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$15 for 30 tablets
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$26.00
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57.8%
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$104.00
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$20 for 30 tablets
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$41.00
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68.3%
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$164.00
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$25 for 30 tablets
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$56.00
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74.7%
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$224.00
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Doxazosin Mesylate, 4 mg.
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$29.00 for 90 tablets
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$10 for 30 tablets
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$1.00
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3.3%
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$4.00
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(the generic version of
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$15 for 30 tablets
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$16.00
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35.6%
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$64.00
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Cardura)
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$20 for 30 tablets
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$31.00
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51.7%
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$124.00
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$25 for 30 tablets
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$46.00
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61.3%
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$184.00
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*Prices
as of 2/04
**Projected annual savings are based on the quarterly savings
Always consider using Caremark’s home delivery service to
order a 90 day supply, if you are taking medications for long term conditions
(i.e., arthritis, diabetes, heart conditions, etc.) or if you are taking a
medication for an extended period of time (i.e., birth control, pain relief,
etc.). Just fill out the mail order form you received in your Welcome Packet,
or, click the “Mail Order Form” button at
the top of any page to download or print the form. Fill it out and send it with
your original prescriptions and credit card information to the address on the
form.
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5 • Ask your Doctors to
Check your Prescriptions Against this List
We receive special discounts from pharmaceutical
manufacturers on select prescription medications. We pass these savings on to
you by offering deeper discounts and greater savings on these drugs.
The growing List of Discount Drugs on which you will receive additional manufacturers'
discounts is always accessible on this web site. You and your doctors can
review the list and be certain that you are taking full advantage of the
savings available. Click here to see a list of
these preferred products.
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6 • Ask your Doctors to
Review your Prescriptions
Consider asking your doctors to review your medications to
see if newer, more effective, and more convenient medicines have become
available. Often, generic versions of brand name drugs become available. These
generic versions are much less expensive.
You and your doctor(s) working together, can make sure that you are receiving
the very best medicines available at the lowest possible cost.
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7 • Purchase your Pets’
Prescription Medications at a Participating Pharmacy
Yes, even your pets’ prescriptions are covered by the
Contributor Savings Card prescription savings program!
Take prescriptions for your pets’ medications to a participating pharmacy.
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8 • Shop Around in the
Network for your Prescriptions
Drugstores, like other retailers, are free to set prices as
they choose. You may find that a drugstore has advertised a special “sale”
price on a popular medication to attract more customers.
If this price is lower than the Contributor Savings Card price, it is the price
you will pay. With the Contributor Savings Card savings plan, you will always
receive the lowest price.
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9 • Stop Paying for a
Prescription Plan Membership
You do not need to continue paying monthly membership fees
for any other prescription savings card programs. If you are now paying for
another prescription savings card program, cancel it and start saving the cost
of its membership! Contributor Savings Card covers your entire family, never
has a monthly fee, and never expires.
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10 • Earn up to an additional 5% Cash-Back
Take advantage of this free offer!
Click on “Apply Now” to obtain a remarkable new Blue
Cash® from American Express credit card
that will save you up to 5% on everything you buy in drugstores, supermarkets
and gas stations. Virtually all your other spending on this card,
including bill payments, can earn up to 1.5% cash-back.
Blue Cash® from American Express is a:
• No Annual Fee credit card,
• with a 0% introductory rate for six months,
• and a long list of features and protections that you
expect from American Express
Hundreds, or even thousands, of additional dollars of savings in the
form of cash-back rewards are just a click away. Click on “Apply
Now” and start enjoying additional savings on all of your
everyday spending!
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