Dental and Health Plans and Options

Pharmacy / Prescription Plan

Neighborhood Pharmacy Plan
The Neighborhood Pharmacy Plan assures members the lowest price on prescription drugs, saving 10% to 60% on most short-term, acute care prescriptions such as antibiotics and painkillers. Long-term prescriptions may be purchased at the local pharmacy, but for maximum, guaranteed savings, the member is encouraged to use the mail order pharmacy for maintenance drugs. The Neighborhood Pharmacy plan is welcomed at over 45,000 chain and independent pharmacies nationwide, including such chains as Walmart, Rite Aid, Walgreens, Target, Eckerd Drugs, Kroger, and many more.

It's simple to use. The member present the membership card to the pharmacist with the prescription. The pharmacist calculates the discount and the member pays the discounted price. No other forms required. The Neighborhood Pharmacy Plan provides the following benefits and savings:

  • 10% to 50% savings on most short-term care medications such as antibiotics and
    pain killers.
  • Over 51,000 national and regional pharmacy chains as well as independent pharmacies.
  • No pharmacy program is complete unless it includes both retail locations where members may fill acute care medications and a mail order program so members may optimize their savings by purchasing maintenance prescriptions in 30 to 90 day supplies to treat ongoing ailments.

Mail-Order Pharmacy
To ensure members always save money on their prescription drugs, a unique mail order program was created to complement the network pharmacy benefit. Since most maintenance medications are purchased in 30 to 90 day supplies, members maximize savings and have the convenience of home delivery (at no additional charge) through Precision RX. Accuracy is assured by requiring every order to pass seven quality checkpoints before shipping. The Mail-Order Pharmacy Plan provides the following benefits and savings:

  • Prices average 10% below AARP mail order pricing.
  • If the member finds a lower retail price from a local retail pharmacy, the Mail Order Prescription Plan will beat that price by $5.00 on brand name and generic medications priced at $10.00 or more. Not valid in conjunction with other discount or insurance cards.
  • Prescriptions are delivered right to your door; no postage or dispensing fees added.
  • Unlike competitive programs that restrict available medications to their "approved" list, the Mail Order Prescription Plan is an "open formulary", so doctors may prescribe the most effective medication to treat the member's ailment or condition.


Pharmacy Plan FAQ

How much can members save using this benefit?
Prices will always vary on prescription drugs and therefore it is impossible to estimate specific dollar savings through any non-insured drug program. The membership offers two avenues for drug purchases: The Neighborhood Pharmacy program offers 10-50% discounts on acute care medications and the Mail Order Pharmacy guarantees an average of 10% off AARP's prices. Should a member receive a price quote from a retail location in the United States for less than our mail order pharmacy quote, we will beat it by a minimum of $5.00 on brand name and generic medications priced at $10.00 or more with no postage or dispensing fees added. Savings cannot be used in conjunction with other discount or insurance cards.

Will members receive a discount on every Neighborhood Pharmacy drug when utilizing the pharmacy benefit?
Not necessarily. Drug stores, like hardware and grocery stores determine their own pricing structures. Due to large discounts from manufacturers, some drugs may already be priced at or below the PBM's discount price. However, as a general rule, members can expect that 80% to 90% of the required, acute-care prescription needs will be discounted below the stores usual retail price. The PBM network pharmacies have agreed to sell prescription drugs at the contract price, or their "usual retail price" whichever is lower.

Are there any instances where a member may not receive any savings?
Local pharmacies are specifically designed to save members money on acute care medication. Most pharmacies use long-term, maintenance medications as "loss leaders" and price these drugs at or below cost. They do this so that their customers will assume that all their prices are low. It's a marketing strategy. The pharmacy realizes that for long-term medications, the consumer will shop around in order to get the best price for a medication that they may be taking for the rest of their life. They are led to believe that this pharmacy has low prices on all their prescription drugs and other items. Our pharmacy program has contracted with independent and chain pharmacies nationwide to offer a discounted price that will normally save you 10% to 50% on short term medications. However, in order to draw customers, many pharmacies opt to price their prescriptions lower than the contracted price. In this case, the member will receive the lower of the two prices. Normally, they use high profile maintenance drugs for these "loss leader" price reductions such as Prozac, Zantac, and Premarin. In order to guarantee members a savings, we established a mail order pharmacy program which absolutely, positively guarantees to beat any verifiable retail price by a minimum of $5.00 with no dispensing or postage fees added provided the brand or generic price exceeds $10.00.

What if the pharmacist is not familiar with the benefit?
When visiting a participating pharmacy, the member must show their membership card to receive the savings. The pharmacist will identify the program when they see the Pharmacy Benefit Manager Information on the card.

Is this a co-pay insurance card?
No. A co-pay card is an insured product where the customer pays a preset amount and the insurance company pays the remainder. This membership is a discount card offering reduced prices. Members are responsible to pay the pharmacy 100% of the discounted price.

A member calls the Mail Order Pharmacy to get a price quote on a maintenance drug and it exceeds the price they previously paid for at an old pharmacy. What should they do?
If the Mail Order Pharmacy quote does not beat the price the member is currently paying by at least $5.00, the operator will verify the price being charged at the local pharmacy and beat it by $5.00. This outstanding price guarantee is effective for all brand or generic drugs priced over $10.00.


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