Your guide to the Optum Perks Discount Card

Key takeaways

• The Optum Perks Discount Card can be used at over 64,000 pharmacies nationwide, including most large chains, to potentially lower your prescription costs.
• If a pharmacy doesn’t accept your Optum Perks card, you can either visit another pharmacy or contact the Optum Perks team for assistance.
• While the Optum Perks card can offer significant savings, it cannot be combined with insurance, so it’s important to compare costs to determine the best option for you.

Overview

Millions of people regularly use prescription medications, and they are often vital to health and well-being. For many, the costs can add up, and even with insurance, you might not have coverage to meet medication expenses. 

Prescription discount cards can help make medication more accessible, particularly to those uninsured or without prescription drug coverage.

Optum Perks is free to use and accepted at thousands of pharmacies. Around 18.6 million people have used the Optum Perks Discount Card, saving over $1.7 billion on medications. Here’s how the program works.

Need a diagnosis or prescription quickly? Optum Perks offers personalized on-demand care in as little as 15 minutes. For $29, answer a few questions online and receive a diagnosis and treatment plan from a US-licensed healthcare professional. Get started here.

What is the Optum Perks discount card?

According to the Centers for Disease Control (CDC), 48.6% of people in America surveyed in 2015 to 2018 used at least one prescription drug in the previous month, and nearly 24% used three or more.

With medication costs rising each year, it’s important to have ways to manage these expenses.

Optum Perks works with retail pharmacies to negotiate prescription drug prices and bring you discounts. One way you can access these discounts is through using a prescription discount card. This is a physical card you can keep in your wallet and present at a pharamacy to receive discounts of up to 80% on your medications.

The Optum Perks Discount Card is free to use, and anyone can access it. However, Optum Perks is not insurance, and if you have insurance that includes prescription drug coverage, you might find it more cost-effective than using Optum Perks discounts.

Also, if you use Optum Perks or another prescription discount card, the expenses will not count toward your deductible.

Your out-of-pocket costs with a prescription discount card may be less than with insurance, and when you have both options, you can decide what’s best for you.

If you need help covering the cost of medications, the free Optum Perks Discount Card could help you save up to 80% on prescription drugs. Plus, you can now get them delivered to your home in as little as 3 days. Search for your medication here.

How do Optum Perks coupons work?

Optum Perks coupons also offer discounts on the retail price of specific medications. You can search the Optum Perks database by typing in the name of your medication on the mobile app or website. Coupons don’t expire, but because prices can change, it’s best to get the latest Optum Perks coupon online.

Plus, you can now get many of your medications delivered to your home through Optum Perks Home Delivery. You don’t need to download a coupon to access the savings — the savings are applied automatically by using the site.

Which pharmacies accept the Optum Perks Discount Cards and coupons?

You can use your Optum Perks Discount Card at over 64,000 pharmacies nationwide. Most large pharmacy chains accept Optum Perks Discount Cards, and smaller chains may accept them too.

You can find out where you can use the care locally by visiting the Optum Perks webpage or by visiting your local pharmacy to ask.

To use the Optum Perks Discount Card at a pharmacy, present your card when you fill your prescription. The pharmacist or retailer will scan the card, and any applicable discounts will automatically apply to your bill.

If you have an Optum Perks coupon, present the coupon to the pharmacy, just as you would with a coupon at a grocery store. The retailer or pharmacist should apply the discount to the retail prescription price.

What to do if your pharmacist doesn’t accept Optum Perks

Sometimes, a pharmacy may not accept your Optum Perks Discount Card. If this happens, and they are unwilling to honor the discount, you should remain confident that the card and discount are valid.

You can choose to visit another pharmacy, or if you prefer, you can call the Optum Perks team at 866-407-8901, where someone will be happy to help.

Summary

Optum Perks can help you save money on your prescription medications. It’s different from insurance, and there are no restrictions. Sign-up is also free.

You can’t use it alongside insurance, and if you have coverage that includes prescription drugs, it may be more cost-effective to use your plan.

Your Optum Perks Discount Card and coupons can get you and your family members discounts of up to 80% on many prescription drugs.

Download the free Optum Perks Discount Card to save up to 80% on many prescription medications. Plus, you can now get them delivered to your home in as little as 3 days. Search for your medication here.