FREE DISCOUNT PRESCRIPTION CARD
FREQUENTLY ASKED QUESTIONS
Here are some of the frequently asked questions about the discount prescription card program. Should you have any additional questions, please contact the person who told you about this program, or email us directly at: nadine@financialmarketingconcepts.com.
What is the name of this discount prescription card?
The name of the card is the Coast to Coast Points of Care™ Rx Card.
Who is the company providing the card?
Financial Marketing Concepts, Inc., of Ponte Vedra Beach, Florida (“FMC”) is the company providing this discount prescription card. FMC has been in the benefit programs market for over twenty-five years.
What is the retail value of the card?
Other cards cost $30.00 or more, and many have recurring monthly fees, yet few have the consistent discounts that this card offers.
Do I have to register the card before using it?
Cardholders simply take the card to a participating pharmacy, and the pharmacist will register them at that time. All our program requires is their name and 9-digit identification number.
How many pharmacies are in the network?
There are over 45,000 pharmacies in the network, and includes all major pharmacy chains and many independents in all 50 states.
How does a cardholder determine which pharmacies participate in the network?
There is a list of participating pharmacies on our website: www.ctcpoc.com, but virtually every major chain and many independents are in the network, so locating a pharmacy is simple. There is also a locator search function to find the nearest participating pharmacy. This is a great function in case the cardholder is traveling out of his or her geographic area.
Does a cardholder need more than one card for his or her family?
No. A cardholder can use one card for his or her entire family, but should they prefer to have one card for each family member, we will be glad to provide additional cards.
Is the discount prescription card insurance?
No. The Coast to Coast Points of Care™ Rx card is not insurance nor is it intended to replace insurance. A cardholder that is covered by health insurance will probably receive the greatest benefit by using his or her health insurance prescription card – but it does pay to compare cards.
Can a health insurance prescription card be used at the same time with the Coast to Coast Points of Care™ Rx Card?
No. Only one card can be used when filling a prescription. However, if a prescription is not covered under a particular plan, then someone may go to a participating network pharmacy and use the card to obtain a discount.
Are some drugs covered under the Coast to Coast Points of Care™ Rx Card that other prescription plans do not cover?
Yes, occasionally. In the event that a health insurance prescription plan does not provide a discount for a particular drug, it is likely that our card will provide a discount for that drug, as over 52,000 formularies are included in our discount prescription card.
How much does a cardholder save using the Coast to Coast Points of Care™ Rx Card?
A cardholder can save up to 50% on an individual prescription. Annual savings generally range from 20% to 40% although individuals and families may save more depending on the medications purchased. Remember that an entire family can use the card.
Are there limits on usage?
No. A cardholder and his or her family may use the card as often as needed. Family members include all dependents, including grandchildren.
Is there an expiration date for the card?
No. There is no termination date for the card.
Does everyone qualify to use the card?
Yes. There are no restrictions, and anyone over the age of 18 may use the card. This does not prevent a parent or guardian from obtaining discounts on prescriptions for their dependents who are under the age of 18 years.
If I have a health insurance plan with a prescription card, can I use your card if the prescription is cheaper using your card?
Yes, however, unless the cardholder has not yet reached his or her annual insurance deductible, it is most likely that he or she will want to use the insurance benefits. If the cardholder does use our card instead of his or her prescription card, then the cardholder will most likely need to send a copy of the receipt to the insurance company to ensure that the amount paid is applied to the annual deductible. If the cardholder registers our card with his or her pharmacy, and it is the same pharmacy that his or her health prescription plan is registered – the cardholder will have to indicate which plan is being used for future prescription purchases.
What if the cardholder has a high deductible health insurance plan?
The cardholder may use our card to save on prescriptions until he or she reaches the deductible amount. Remember, as noted above, the cardholder may need to submit receipts to the insurance company.
What if the cardholder is a Medicare Part D participant?
Medicare Part D participants are usually age 65 and over. There is a hole in participant coverage that is called the “donut hole,” and Medicare participants can pay up to $3,000 per year out of pocket. Our card can help participants in the “donut” phase save on their prescriptions.
What is the website to view more information about the program?
www.ctcpoc.com
WHAT DOES “POINTS OF CARE™” MEAN?
Points of Care™ is the name for the six different discount savings programs included with this card. The following savings programs are included with the Coast to Coast Points of Care™ Rx card: