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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

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Best prescription drug coverage is not insurance

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: Can I get prescription drug insurance without medical insurance?

A: No this coverage is not available and even it it was available, it would not cover the cost of pre-existing prescriptions. The best alternative is a prescription discount plan that uses a flat dollar amount of coinsurance like $10 or $20 for most prescriptions. See details for The Competitor Rx-Pay Card online. This plan can be used immediately with the prescriptions you already use. This is a discount plan and not an insurance plan, but the value for the cost is likely better than an insurance policy. This plan can be combined with any major medical insurance or supplemental insurance policy.


More resources:

The Competitor Rx-Pay Card