GoodRx and Similar Services: How to Use Prescription Discounts Instead of Insurance

Every year, millions of Americans face a tough choice: pay the full retail price for their meds, or use insurance and still end up paying hundreds out of pocket. For many, the answer isn’t insurance at all-it’s GoodRx. And it’s not just GoodRx. Services like SingleCare, RxSaver, and even Amazon Pharmacy are changing how people buy prescriptions. You don’t need to be uninsured to use them. In fact, plenty of people with Medicare, Medicaid, or private insurance use these apps because they simply save more money.

How GoodRx Actually Works (It’s Not What You Think)

GoodRx doesn’t sell drugs. It doesn’t even act like an insurer. Instead, it’s a middleman that taps into the same discount deals pharmacies already have with Pharmacy Benefit Managers (PBMs) like Express Scripts and OptumRx. These deals are usually meant for insured patients, but GoodRx lets you access them as a cash payer.

Here’s how it works in practice: You open the GoodRx app, type in your medication-say, metformin 500mg-and it shows you the lowest cash price at nearby pharmacies. You might see $4 at Walmart, $7 at CVS, and $12 at a local pharmacy. You pick the cheapest one, show the digital coupon at the counter, and pay that price. No insurance card needed. No deductible to meet. No copay to worry about.

The savings aren’t small. For generic drugs, the average discount is around $72 per prescription, according to GoodRx’s own 2022 report. For some drugs, it’s even wilder. In Minneapolis, a 30-day supply of imatinib (a cancer drug) costs $7,666 at retail. With GoodRx? $88.74. That’s not a typo.

When GoodRx Beats Insurance Every Time

Insurance isn’t always the cheaper option. In fact, for many people, it’s the opposite.

Take Jardiance, a diabetes drug. One user on Reddit paid $700 out of pocket under Medicare Part D. With GoodRx, the same prescription cost $578. That’s $122 saved-just by skipping insurance.

This happens often with:

• Drugs not on your insurance’s formulary (the list of covered meds)
• Brand-name drugs where the copay is higher than the cash price
• Drugs you’re taking before you hit your deductible
• Compounded medications (custom mixes pharmacies make) that insurance won’t touch

A 2023 study by the National Community Pharmacists Association found that 34% of insured patients saved more using GoodRx than their insurance copay-especially for non-preferred brand drugs. That’s not rare. It’s common.

GoodRx Gold: The Subscription That Actually Saves Money

The free version of GoodRx is great. But if you take multiple prescriptions, GoodRx Gold might be worth the $9.99/month (or $19.99 for a family plan).

Gold users get deeper discounts-up to 90% off-for over 38,000 pharmacies. It also includes free home delivery, which is huge if you’re on a fixed income or have mobility issues. For example, insulin: the average cash price for Humalog is $337. With Gold? $98.47. That’s a $238 monthly saving.

And it’s not just for generics. Gold covers popular drugs like Ozempic and Wegovy, where savings often exceed $400 per prescription. One Reddit user saved $412 on semaglutide using Gold versus their $935 insurance copay.

But here’s the catch: Gold doesn’t work with Medicare or Medicaid. And if you’re on Medicare Part D, using Gold might mean you miss out on manufacturer coupons that count toward your out-of-pocket maximum. That’s important-because once you hit that cap, your costs drop dramatically.

Why Some Pharmacies Say No

You’ve got your coupon. You’re ready to pay. But the pharmacist says, “We don’t accept GoodRx.”

It happens. About 35% of independent pharmacies don’t participate. That’s not because they’re being difficult-it’s because they’re losing money. PBMs pay them less than the cost of the drug when GoodRx is used, and small pharmacies can’t absorb those losses.

Big chains like CVS, Walgreens, and Walmart almost always accept it. Kroger does, but only if you show the coupon on your phone. Some pharmacies require you to ask for the “cash price” before showing your insurance. If you don’t, they’ll automatically bill your insurance-even if it costs you more.

Pro tip: Always say, “Can you check the cash price with GoodRx before using my insurance?” That simple phrase saves people hundreds every month.

What About Other Services? SingleCare, RxSaver, Amazon Pharmacy

GoodRx has the biggest network-70,000+ pharmacies-but it’s not the only game in town.

- SingleCare: Offers similar discounts but with fewer participating pharmacies. Its edge? It includes telehealth visits for $20. If you need a new prescription, you can get one online and have it sent to your pharmacy-all in one app.

- RxSaver: Simpler interface, fewer features. Savings are slightly lower than GoodRx on average, but it’s reliable for basic generics.

- Amazon Pharmacy: Launched in 2020, it’s now undercutting GoodRx by 8-12% on generics. If you’re already an Amazon Prime member, you get free two-day shipping. Plus, it integrates with your Amazon account. No app needed-just log in and order.

But Amazon doesn’t show you price comparisons across pharmacies. You’re locked into their network. GoodRx still wins if you want to shop around.

The Big Problem: Insurance Doesn’t Know You’re Using GoodRx

Here’s the hidden risk: When you use GoodRx, your insurance company doesn’t know. That means:

• Your payments don’t count toward your deductible or out-of-pocket maximum.
• You might end up paying more long-term if you need expensive drugs later.
• If you’re on Medicare Part D, using GoodRx can accidentally trigger fraud alerts. CMS warns that 22% of cases where people use discount coupons with Medicare lead to coverage issues.

So here’s the smart way to do it:

1. Check your insurance Explanation of Benefits (EOB) after filling a prescription. See what your copay was.

2. Run the same drug on GoodRx. Compare the cash price.

3. If GoodRx is lower, use it-but only if you’re not close to hitting your deductible.

4. If you’re near your out-of-pocket max, switch back to insurance so your payments count toward your limit.

It’s not complicated. It just takes two minutes.

Who Shouldn’t Use GoodRx?

GoodRx isn’t magic. It won’t help everyone.

- Medicare Part D enrollees near their coverage gap: Manufacturer coupons (not GoodRx) are designed to help you get through the “donut hole.” GoodRx doesn’t count toward that limit.

- People on Medicaid: Federal law bans using third-party coupons with Medicaid. You’ll get flagged.

- Controlled substances: Adderall, oxycodone, Xanax-no discounts. DEA rules forbid it.

- People with employer coverage that includes $0 copays: If your plan already gives you meds for free, don’t bother.

What to Do If It Doesn’t Work

You show your coupon. The pharmacy says no. You call GoodRx support. They say “try another location.” You’re frustrated.

Here’s what actually works:

• Call the pharmacy ahead of time. Ask: “Do you accept GoodRx coupons?” Don’t assume.
• If they say no, ask if they’ll match the GoodRx price anyway. Some will.
• Use the GoodRx hotline (1-866-978-3948). They can sometimes get a pharmacy to accept it.
• If you’re still stuck, try SingleCare or RxSaver. One might work where another doesn’t.

Also, don’t be afraid to ask for the “cash price” without mentioning any coupon. Sometimes the pharmacist will give you a lower price just because you’re paying cash.

Is This Legal? Is It Safe?

Yes, it’s legal. Yes, it’s safe. GoodRx is a registered healthcare technology company. Its discounts come from legitimate PBM contracts.

But here’s the catch: PBMs are adjusting their deals because of services like GoodRx. In early 2024, Express Scripts cut discounts on over 200 drugs after seeing a spike in GoodRx usage. That means the savings might shrink over time.

Still, demand keeps growing. Over 1.2 million new users join GoodRx every month. Why? Because in a system where insulin costs $300 and you’re paying $100 a month for a drug you’ve been on for 10 years, people are desperate for relief.

Final Rule: Always Compare

There’s no one-size-fits-all answer. Insurance isn’t always better. GoodRx isn’t always better. The only way to know is to check both.

Next time you need a prescription:

1. Open your insurance app or call your plan.

2. Ask for your copay for the drug.

3. Open GoodRx, SingleCare, or Amazon Pharmacy.

4. Compare the numbers.

5. Pay the lowest one.

It takes 90 seconds. It could save you hundreds. And in a broken system, that’s not just smart-it’s essential.