CSB Update: More to explore with new products and new savings for customers with Inside Rx®!

[Northeast Agent]

Cigna Supplemental Benefits

NEW Inside Rx®

We are pleased to introduce a new way for your Medicare supplement customers to save! On July 1, we are launching the Inside Rx® savings card. Making prescription drugs affordable is a priority at Cigna and, by offering the Inside Rx® savings card, your self-pay customers can save instantly on generic and non-featured brand prescription medications they need most.2 Check out the customer benefits below, view our flyer, and visit the Inside Rx® website to learn more.

Great customer benefits

• Up to 80% savings on generic medications2
• Accepted at 60,000 pharmacies nationwide, even home delivery
• Easy access to medication prices, pharmacy locations, and more online and with the Inside Rx® app
• No fees
• No membership or sign up required
• Convenient card that customers can easily take anywhere

Three easy steps to savings:

1. Visit the Inside Rx® website to get the card
2. Show the card along with the prescription at the pharmacy
3. Start saving!

 

[somarco]

The nation's largest pharmacy benefit manager, Express Scripts, has partnered with drug discount program GoodRx to try to lower the cost of brand-name drug prescriptions, the companies announced Monday.

The companies say the new program, Inside Rx, will reduce the cost of more than 40 popular branded drugs by an average of 34% off the retail price, including some of the most commonly prescribed drugs for diabetes and asthma
Express Scripts and GoodRx target rising drug costs with new program

if you participate in a state or federally funded health care program, such as Medicare, Medicaid, TRICARE or others, you may not use Inside Rx to purchase specific featured brand medications, even if you elect to pay for the prescription as an uninsured or cash-paying patient. You may use Inside Rx if you are enrolled in one of these programs and choose to purchase generic or non-featured brand medications. Additionally, if you're 65 or older, you cannot use Inside Rx to purchase Advair® HFA, Anoro® Ellipta®, Arnuity® Ellipta®, Breo® Ellipta®, Incruse® Ellipta®, Trelegy Ellipta, Flovent® Diskus® or Flovent® HFA.
https://insiderx.com/faq

 

[The Medicare Gal]

Interesting that this plan is targeting our Medicare clients, but they know that our Medicare clients can't use it to reduce the cost of their T3 drugs.

I'm now concerned that GoodRx will limit their main program as well, which would impact many of our seniors who need it the most.

I've found that for me, GoodRx works best for T2 and T3.

I probably won't be promoting InsideRx based on their FAQ that Somarco posted.

What do you find is your best use case for GoodRx?

 

[somarco]

Express Scripts is a "hidden partner" behind a number of discount plans and online pharmacy's. I discovered this while researching Amazon PrimeRx a few months ago.

Prime Rx

Digging deeper I found other, similar partnerships.

The Best Prescription Discount Cards for 2021

I can't answer your question about the direction for GoodRx when you have Medicare. There has been confusion about using GoodRx when you have a PDP but several places on their site clarify.

Medicare is supposed to make your prescription drugs affordable. But, as many seniors know, some drugs are still expensive, and some aren't covered at all. And, of course, there's the infamous "donut hole."

GoodRx makes it easy to compare your Medicare co-pays against GoodRx coupon prices to see which can save you more. Keep in mind that you cannot use GoodRx and Medicare at the same time. However, you can use GoodRx instead of government-funded programs, such as Medicare of Medicaid, to pay for your prescription medications.
Medicare Prescription Drug Plans - GoodRx

I don't know why InsureRx appears to deny using their service when you have Part D.


When you use GoodRx to pay for a prescription, you are choosing to pay without insurance. But you can ask your insurer to reimburse you or to apply your purchase against your deductible.
Will My Insurance Pay For GoodRx? It's Worth A Try – Here's Why. - GoodRx

Between personal use and client feedback about GoodRx I have not heard of issues where a PARTICIPATING pharmacy refused the card when the customer had Part D. My wife uses a hormone medication plus another for osteo prevention. In both cases GoodRx is significantly less than the drug plan. Our pharmacy almost goes out of their way to find the lowest possible copay and even encourages GoodRx.

I wonder if the pharmacy will refuse the InsureRx card if you have a PDP? If they accept it, what is the repercussion, if any, and who is chastised? The pharmacy or the customer?

I don't use Cigna for anything and probably never will, but for those of you who do, you might want to explore the PDP/InsureRx caveat.

 

[LostDollar]

I have a Cigna PDP.

Using Bystolic as a test item, I consider the prices that come up on insiderx to be a bad joke.

I have some discount plan other than goodrx on my pharmacy account. I need it so infrequently that I have never worried about changing it.

If I was starting from scratch and had need to look for an alternative to goodrx to put on my pharmacy account, I believe I would start with rxgo, as discussed in this thread:
https://insurance-forums.com/community/threads/goodrx-whats-the-catch.103655/page-3

It involves driving, but I also think I have seen posts here that indicate that some folks needing to use goodrx (or any discount card) for some of their prescriptions will take the goodrx prescriptions to a different pharmacy to have them filled so the pharmacist does not even know they have a pdp.

 

[kgmom219]

This is just dumb. With a capital D.

1. They are sending it to their Medicare Supplement Clients
2. And at the front page, this is the disclaimer language:

Inside Rx card is not insurance. Cannot be used by persons eligible for state- or federal-funded programs such as Medicare, Medicaid or TRICARE to purchase select brand medications, even if processed outside the benefit as an uninsured (cash-paying) patient. Must be under 65 to purchase Advair® Diskus®, Advair® HFA, Anoro® Ellipta®, Arnuity® Ellipta®, Breo® Ellipta®, Incruse® Ellipta®, Flovent® Diskus®, Flovent® HFA

If whoever made this decision to waste a LOT OF MONEY sending this out to my Med Supp people worked for me, they would be fired for gross incompetence. #whatsnext