Can You Use GoodRx With Insurance?

GoodRx can save you up to 80% on prescription drugs at over 70,000 pharmacies. But you can't use a GoodRx coupon and your insurance at the same time for the same prescription. At the pharmacy counter, you pick one or the other. And GoodRx can't be used with Medicare, Medicaid, or other federal programs.

When GoodRx Beats Insurance

If your insurance has a high deductible and you haven't met it yet, you're paying the full negotiated price for prescriptions. GoodRx might be cheaper than that price. If your copay for a brand-name drug is $63 but GoodRx shows a generic version for $12, using GoodRx saves you money. Ask the pharmacist to compare both prices before you pay.

The Deductible Trade-off

When you use GoodRx, the purchase typically doesn't count toward your insurance deductible or out-of-pocket maximum. So if you use GoodRx for cheap prescriptions all year, you're delaying the point at which insurance starts covering more of your costs. For most people on high-deductible plans who won't hit their deductible anyway, this doesn't matter. But if you have significant medical expenses, running prescriptions through insurance even at a higher price might save you money in the long run by getting you to your deductible faster.

New PBM Partnerships

CVS Caremark and MedImpact have partnered with GoodRx so that insured patients can get automatic GoodRx discounts at the counter and still have the payment count toward their deductible and out-of-pocket maximum. If your pharmacy benefit manager has this arrangement, you get the best of both worlds. Check with your insurer to see if this applies to your plan.

Submitting GoodRx Receipts to Insurance

Some insurance plans let you submit a GoodRx receipt for reimbursement or to count toward your deductible. This varies by plan. Call the number on your insurance card and ask. The worst they can say is no.