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Can I use SingleCare if I’m on Medicare?

SingleCare works with Medicare, but you have to choose to use one or the other—not both. Here’s how to maximize your prescription savings with drug coupons and Medicare.

Key takeaways

  • You can still use the SingleCare pharmacy savings card to reduce drug prices even if you have Medicare.

  • SingleCare is particularly beneficial for people with Medicare who do not have a prescription drug plan.

  • If you do have prescription coverage through Medicare, you can still use SingleCare when your copay with Medicare is too high or if Medicare doesn’t cover your prescription.

  • You cannot use Medicare and SingleCare together. You have to choose one or the other.

  • Your out-of-pocket costs for prescriptions with SingleCare will not apply to your Medicare deductible.

At SingleCare, we believe that you should be able to get the best price possible for your prescription, no matter what your health insurance status. Meaning, you can use the SingleCare pharmacy savings card to reduce drug prices even if you receive Medicare benefits. It’s not illegal or against the rules. 

SingleCare can help you save up to 80% on prescription medications. All you have to do is sign up (for free!) on our website. You can text the discount card to yourself or print it immediately. (You’ll receive a card in the mail within three to four weeks if requested.) Whether you text, print, or wait for the hard copy, you can use all three versions at the pharmacy. 

When to consider using SingleCare

For people eligible for Medicare, SingleCare can help cut prescription costs in the following ways, whether or not you have an insurance plan that covers prescriptions.

If you don’t have a Medicare prescription drug plan…

Medicare Part D is an optional benefit. During the Initial Enrollment Period, you may have decided you didn’t need the extra drug coverage, but you still occasionally need to fill a prescription. SingleCare can help you secure lower costs. 

1. To compare prescription drug prices.

You can use to compare which pharmacy has the lowest prices. Find your location, then type in your prescription name. You’ll see various pharmacies and discounted pricing options. You should compare our drug discounts with the out-of-pocket (or cash) price for the drug. 

2. To reduce the cost of medications when you don’t have prescription drug coverage.

You can use SingleCare to secure lower prices at 35,000 major pharmacies nationwide. Once you’ve found the one that’s the least expensive, bring your prescription savings card to the pharmacy (or send the coupon to your phone) and ask the pharmacy employee to use it when checking out.

RELATED: Does Medicare Part B cover prescriptions?

If you have a Medicare prescription drug plan…

SingleCare can decrease out-of-pocket costs when you’re in (or approaching) the Medicare coverage gap or on a fixed income.

3. When SingleCare prices are lower than your copay or coinsurance.

Even if you have prescription coverage with a Medicare Part D plan, the SingleCare price for a prescription may be lower than your Medicare copay. That’s because every Medicare Part D drug plan has its own formulary, which ranks drugs on a tier system. The higher the tier, the more expensive your copay will be. You can ask the pharmacist to compare SingleCare drug coupons and Medicare to find the best deal for your prescription. 

4. If Medicare doesn’t cover a medication.

Medicare covers many generic medications, but you may be prescribed a brand-name drug that’s not covered. Or, you might need a type of medication that your Medicare prescription benefits don’t cover–like Viagra, phentermine, or Propecia. SingleCare can help you get savings of up to 80% on these and other prescription drugs. 

5. When you’re in the Medicare donut hole.

You may run into the coverage gap, also known as the Medicare donut hole, after you and your plan spend a certain amount of money on covered drugs. After hitting that set amount—$5,030 in 2024—you’re responsible for paying 25% of drug costs until you alone have spent $8,000. After that, you’ll pay nothing for your covered medications. 

That means your prescription costs can skyrocket while you’re in the donut hole. With limited income, you don’t want to have to choose between medication and other necessities. If you’re struggling to afford a prescription, it may make sense to use SingleCare to lower the price.

RELATED: Do Medicare Advantage plans have a donut hole?

Can you use SingleCare with Medicare?

It’s important to note: When you use your SingleCare card, the pharmacy processes it instead of your Medicare card, not in conjunction with your Medicare card. Let’s say you have a $100 copay for a medication with Medicare, and the SingleCare price is only $5. The pharmacist can use the SingleCare card to give you the lower price. But, when you do this, it won’t count toward your out-of-pocket maximum. In other words, it makes your prescription significantly more affordable, but it won’t help get you out of the coverage gap faster or meet your deductible.

Wondering what’s the catch? There isn’t one! SingleCare partners directly with pharmacies, which lets us offer you lower prices. We receive a small fee from our pharmacy partners when you use your SingleCare card to save, which is how we can offer the service to you for free. Pharmacies choose to do business with us because we keep our business practices transparent, our prices consistent, and we help bring customers to their pharmacy.

If you have any more questions, feel free to call us at 1-844-234-3057, find us on Facebook, or read SingleCare reviews on Trustpilot.

RELATED: Can I use SingleCare if I’m on Medicaid?

Why can’t Medicare patients use coupons?

The Anti-Kickback Statute (AKS) “prohibits the exchange (or offer to exchange) of anything of value in an effort to induce (or reward) the referral of the business reimbursable by federal healthcare programs.” This includes drug manufacturer coupons and rebates. The AKS was intended to prevent pharmaceutical companies from making money or persuading the purchase of prescriptions that the federal government would reimburse through the Medicare program.

However, it is 100% legal to still use drug coupons if you have Medicare. As mentioned above, Medicare beneficiaries will just have to choose to use the drug coupon or their Medicare card. You just can’t use both.

Here are SingleCare coupons for some popular prescriptions among Medicare consumers:

Popular prescriptions among Medicare consumers

Drug name Savings options
Eliquis Eliquis coupons
Xarelto Xarelto coupons
Linzess Linzess coupons
Lantus Lantus coupons
Breo Ellipta Breo coupons
Trulicity Trulicity coupons
Lyrica Lyrica coupons
Januvia Januvia coupons
Farxiga Farxiga coupons
Xiidra Xiidra coupons
Symbicort Symbicort coupons
Trelegy Ellipta Trelegy coupons
Bystolic Bystolic coupons