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This article, is a continuation to previous one published on June 23, 2010 titled, "The Savings Card That Is Not". In article, I explained the various savings cards available in Canada, their pros and cons, how they compare to the generic prescriptions available through a Canadian pharmacy or generic over the counter medicine. In addition to the savings card, I also explained how the savings card works, and how to use your savings as effectively possible in order to save on your prescriptions.
So, let's examine each of the savings card programs.
Generic Prescription Savings Card
The Savings Card program is actually a brand-name and not generic prescription savings card.
Its benefits are a combination of generic prescription savings and prescriptions; it does not offer any savings cards for brand name drugs.
As a result, the savings card comes with a number of restrictions, including:
No coverage for a generic version of the medicine or any other brand name medicine of the same strength.
No coverage for a generic version of brand name medicine or for any other brand name medicine.
No benefit is available for a generic drug without prescription, for a brand name drug, or for any other brand name drug
No coverage for all generic drugs
A maximum of $4.50 per prescription
Not a single dollar of the savings card is refundable.
Generic Prescription Savings Card Pros
It's possible to use your savings card with a private or public pharmacy – there's no need to make a trip your local community pharmacy. But, as noted previously, you may not be able to use it with a generic drugstore. And the savings cards are generally not available in pharmacies that are not owned by big Canadian pharmacy chains, as they have been accused of undercutting the competition in Canadian pharmacy market by charging higher prices for their medications.
Generic Prescription Savings Card Cons
Generic prescription savings cards are not always as generous their generic counterpart. Most have restrictions on which drugs they cover, and most cialis 5 mg oral tablet of them have a maximum dollar value. This means that you may not be able to use the savings card cover as many prescriptions you were hoping to, unless have a doctor who supports the use of savings cards in which case, you could potentially save a lot of money.
Generic Prescription Savings Card Terms and Conditions
Before you begin using your savings card, you will need to enter the prescriptions you want to use it for. will usually ask for your name, prescription number, prescription drug use statistics canada and date of birth. If your insurance does not allow you to have prescriptions filled online, you will need to provide your credit card information. The pharmacy is usually valid up to 60 days from the date of issuance; if you wish to check the validity of your card, you need to call the pharmacy and speak to staff member who has process your prescription and obtain a proof of purchase.
If your savings card comes with a number of restrictions, it will not be the optimal savings card to use.
I do recommend using the savings card because it can save you quite a bit of money – although, I would also consider having a doctor that supports you in trying out savings cards, if possible.
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