Frequently Asked Questions

What is the NACo drug discount card program?

The NACo drug discount card program helps consumers save money on their prescription medications any time their prescriptions are not covered by insurance. The free cards are distributed in the sponsoring county and may be used at any participating retail pharmacy. The discount card is not insurance.

How is the NACo drug discount card program different from prescription insurance?

This plan is not insurance; it is a prescription discount program. The card provides immediate discounts at the pharmacy. Upon presenting your card to the pharmacist, you will pay the lower of a discounted price or the pharmacy's regular retail price. There are no claim forms to fill out and no limit to the number of times you can use the card. These discounts are available only at participating retail pharmacies.

What does the NACo drug discount card cost?

Unlike many other card programs, there is no enrollment cost or membership fee. The cardholder pays the negotiated discount price or the pharmacy's retail price, whichever is lower. The average discount is 20 percent. Your prescription discount card is provided to you free of charge by the county.

How much savings is realized with the NACo drug discount card?

Savings average 20 percent off of the pharmacy’s regular retail prices for prescription drugs; some discounts may be more, and some less, depending on the drug and quantity purchased. Cardholders are eligible for higher discounts on a three-month supply of some medications through mail service. Cardholders can save on pet prescriptions at participating retail pharmacies. In addition, you may save even more by choosing from our list of select medications. This list is comprised of products offering additional savings.

Can I find out the discounted price of my prescriptions before going to the pharmacy?

Because prices can vary by location, only the actual pharmacy can tell you the exact price of prescriptions. You can look up estimated price for medications at www.caremark.com/naco, or call toll free 1-877-321-2652.

Will I save 20 percent on all my medications using my NACo drug discount card?

Since the retail price or usual and customary charge can differ greatly by pharmacy, your exact percentage of savings may vary depending on the prescription drug and the price you have paid before.

Will I always receive the lowest price when using my NACo drug discount card?

Yes. You will receive the best price available to you through this program at the pharmacy. On occasion, pharmacies will price a particular medication lower than the discount rate provided by the card. If that occurs, you will receive the lower price.

Why did the price of my prescription change since the last time I purchased it?

Drug prices are different from pharmacy to pharmacy. Even chains have different prices in their stores depending on the population they are servicing. Additionally, manufacturers' drug prices change periodically.

Who can use the NACo drug discount card?

The cards may be used by all county residents, regardless of age, income or existing health coverage. There is no enrollment form, no membership fee and no restrictions or limits on frequency of use. Cardholders and their family members may use the card any time their prescriptions are not covered by insurance.

I just received my NACo drug discount card. Can I use it right away?

Yes, just use your card to start saving immediately. Present your prescription discount card at a participating retail pharmacy when you fill or refill your prescriptions.

I've lost my NACo drug discount card. How can I get a replacement?

To get a replacement card, please call toll free 1-877-321-2652.

Does everyone in my family need an individual NACo drug discount card?

No. Everyone in the family may use the same card if desired.

Can I use the NACo drug discount card to get discounts on my pet's medications?

Yes, if your pet has been prescribed a medication, you may receive a discount on the medication by taking the prescription to a participating retail pharmacy.

Can I use my NACo drug discount card on over-the-counter and non-prescription drugs?

Not usually. However, discounts are available for many diabetic supplies.

Should I use my NACo drug discount card during deductible and coverage gap periods?

No. Only use your prescription discount card to purchase non-covered medications.

Can I use the NACo drug discount card with my current insurance benefit to reduce costs?

Your card cannot be used in conjunction with other insurance. However, you are able to use your card to purchase prescriptions that are not covered by these plans.

Can I still use the NACo drug discount card if I sign up for a Medicare prescription plan?

Yes, you can use your prescription discount card anytime you need to purchase a prescription that is not covered by your Medicare prescription plan or any other insurance.

Can I use my NACo drug discount card in addition to my Medicare prescription plan?

No. You need to present either your Medicare prescription plan card or your prescription discount card. Only use your prescription discount card when purchasing medications not covered by your Medicare prescription plan.

I'm not signing-up for a Medicare drug plan; can I still use my NACo drug discount card?

Yes, you can continue to use your prescription discount card just as you do today.

What are the NACo drug discount card participating pharmacies?

More than 59,000 retail pharmacies nationwide accept the card, including most chain pharmacies and many independents. Wal-Mart pharmacies participate in the program. Ask your local pharmacy if they participate or call toll free 1-877-321-2652 to find out if a specific pharmacy participates in the program.

Do I have to choose between my discount drug card and the Wal-Mart $4 generic option?

No, always present your prescription discount card at a participating pharmacy, including Wal-Mart, to receive the lowest price available from the pharmacy for that prescription medicine on that day. You will receive the $4 price at Wal-Mart, when applicable, and the prescription discount card discounted price when it is lower.

Should I still present my prescription discount card at Wal-Mart when buying a $4 generic?

Yes, always present your prescription discount card when buying prescriptions not covered by a prescription drug benefit plan. For generic medicine on the Wal-Mart list, you will pay either $4 or the prescription discount card price, whichever is lower.

Can I get additional discounts off the $4 Wal-Mart generic if I show my drug discount card?

No, when presenting your prescription discount card, you will receive either the pharmacy's regular price for the prescription medicine or the prescription discount card discounted price, whichever is lower. If Wal-Mart's $4 price for select generics is lower than the prescription discount card price, you will pay $4. With the prescription discount card, you will receive the best price available for your prescription medicine on that day from that pharmacy.

What is specialty pharmacy and what kinds of services do they offer?

Specialty pharmacy offers delivery of injectable and select oral specialty medication and supplies to the location of your choice. Services include delivery notification and refill reminder calls to help you stay on your treatment plan. You'll also receive expert care services including counseling, follow up care calls, informative disease-related materials, and access to health experts 24 hours a day, seven days a week.

What drugs are offered through specialty pharmacy?

Medications for a variety of chronic conditions including multiple sclerosis, rheumatoid arthritis, cystic fibrosis, hemophilia, infertility, immunologic disorders, Crohn's disease, Gaucher disease, pulmonary hypertension, Fabry disease, MPS 1, blood dyscrasia, growth hormone deficiency, respiratory syncytial virus, hepatitis C and more are available through specialty pharmacy.

Who is Caremark and how are they involved with the NACo drug discount card program?

The program is administered by Caremark Rx, Inc., a leading pharmaceutical services company with broad experience in managing drug discount card programs for sponsoring clients. Caremark negotiates with pharmacies to offer a discount off their retail prices. Most pharmacies contract to participate because it draws customers to their stores. Caremark derives revenue from the program in the form of a small fee that the pharmacy pays on each transaction. The fee is a small fraction of the total transaction amount.

What is Caremark mail service?

With the Caremark mail service program, you can purchase up to a 90-day supply of select medications from the mail service pharmacy for a fixed price. It's easy to get started with mail service-just send in the mail service order form along with your original prescription, to Caremark. For a list of medications available through and to receive an order form please call toll free 1-877-321-2652 or visit www.caremark.com/naco.

What are the additional benefits of the NACo drug discount card program?

The program has a safety feature that alerts pharmacists when one drug may conflict with another medication the cardholder is taking, if the prescriptions were obtained with the NACo discount card. Also, the NACo discount card program remains a useful option now that Medicare Part D has been implemented. For example, the card can be used when a Medicare Part D plan doesn't cover a drug.

What are the NACo drug discount card details?

Rebates: Few manufacturers pay rebates on the discount card program. Caremark shares a portion of the rebate with the consumer at the point of sale via an increased discount. The retail pharmacy is reimbursed for this additional discount.

Data Collection: Cardholder information remains confidential and is not resold to a third-party for any reason.

Drug Distribution: Caremark negotiates with retail pharmacies to offer discounts off retail prices at the point of purchase. Some news reports have incorrectly stated that Caremark purchases prescription drugs and distributes them to retail pharmacies.