Prescription and Dental Savings Cards
Healthcare costs in the U.S. can feel like they’re climbing higher than your blood pressure after a stressful Monday. But here’s some good news: you don’t always have to pay sticker price. Prescription discount cards, dental savings programs, and other savings cards (like GoodRx) can help you cut down on out-of-pocket expenses—sometimes by a lot.
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The best part? These cards are usually free or low-cost, easy to use, and accepted at most pharmacies and dentists. Let’s break it down.
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Prescription Discount Cards: Lowering Your Pharmacy Bill
Even if you have insurance, prescription discount cards can often beat your copay. If you’re uninsured, they can be a lifesaver.
How they work:
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You download or print a card (or app).
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Show it to your pharmacist.
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You get the lower price negotiated by the discount provider.
Top recommendations:
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GoodRx: Probably the most popular option. Their free card/app compares prices at different pharmacies and gives you the best deal. Many people save up to 80%.
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SingleCare: Similar to GoodRx, but sometimes their prices are lower on certain meds. Worth checking both.
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ScriptSave WellRx: Another solid option with a handy mobile app and medication reminder features.
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Optum Perks (formerly OptumRx): Backed by UnitedHealth Group, this free discount card is widely accepted and sometimes beats other competitors on brand-name meds.
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EasyDrugCard: Straightforward, free, and works at most major pharmacies. Especially good for people without insurance.
Pro tip: Always price-shop between cards. Sometimes GoodRx wins, sometimes SingleCare, sometimes WellRx. It’s like checking different gas stations before you fill up.
2
Dental Savings Cards: Affordable Smiles
Dental insurance can be pricey, and if your employer doesn’t provide it, you may feel stuck. That’s where dental savings plans (also called dental discount plans) come in.
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How they work:
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You pay an annual fee (usually $80–$150).
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You get discounted rates (10–60% off) at participating dentists.
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No deductibles, no waiting periods, and no annual maximums.
Top recommendations:
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Careington Dental Savings Plans: Affordable annual fees and a big network of providers.
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Aetna Dental Savings Plan: Backed by a well-known insurer, with solid discounts on both general dentistry and specialists.
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DentalPlans.com Marketplace: Think of this as the “Kayak.com” of dental savings—it compares multiple discount plans so you can find the best fit in your area.
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Cigna Dental Savings Plan: A trusted name with discounts not just on dental but also vision and hearing in some plans.
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Humana Dental Savings Plus: Simple pricing, good discounts, and access to a large nationwide network of providers.
Pro tip: Always check if your dentist participates before signing up. Networks matter.
3
Other Savings Programs Worth Checking Out
Beyond prescriptions and dental, there are savings cards that help with vision, hearing, and even urgent care visits.
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America’s Pharmacy Card: Free, works at over 60,000 pharmacies, and offers good discounts on generic medications.
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Blink Health: Lets you prepay for prescriptions online (often cheaper than at the counter).
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National Vision Administrators (NVA): Some discount cards include vision benefits—worth considering if you wear glasses or contacts.
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EyeBenefits: A vision discount program that can save you money on eye exams, glasses, and contacts.
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Hearing Care Solutions: Offers discounted pricing on hearing aids and audiology services—useful if you or a family member needs hearing support.
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Tips for Maximizing Your Savings
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Stack discounts with insurance carefully. Sometimes your insurance copay is higher than the discount card price. Ask your pharmacist to check both.
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Always compare. Just because you used GoodRx last time doesn’t mean it’s cheapest today.
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Look into membership perks. Some credit unions, AARP, or warehouse clubs (like Costco) include discount programs as part of membership.
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