By Michael Bihari, MD. Health Insurance Expert
Updated June 16, 2014.
What Are the Benefits of Mail Order Drugs?
Convenience: You can get a 90-day supply of each of your medications delivered to your home (compared with a typical 30-day supply at your walk-in pharmacy).
You may save money: Your health plan may have lower copayments for prescription medications that you obtain through mail-order, rather than through a regular retail pharmacy.
You can easily order refills: If your prescription is current, most mail-order pharmacies allow you to order refills online, by mail or by phone anytime of the day or night.
Continue Reading Below
Special customer services: Some mail-order pharmacies provide special services, including the ability to:
- Register for online refill reminders so you'll know when it's time to reorder your medications. You can receive an e-mail reminder or an automated telephone reminder.
- Speak directly with a pharmacist to answer your medication questions.
- Check the status of your order online or by phone.
- View your prescription history.
- Access consumer education information about your medication and your health condition.
What Is the Downside of Receiving Medications By Mail?
Safety issues: If you buy medications through the mail from online drugstores that are not reputable, you are at risk of getting the wrong medication or counterfeit medication.
Mail delivery issues: Although safe and efficient, packages handled by the U.S. Postal Service can get lost or damaged. Additionally, there is a small danger of your package being stolen from a rural or suburban roadside mail box.
Mail-order delivery can be slow: When you use a mail-order pharmacy, it may take as long as two weeks to receive your medication shipment.
Continue Reading Below
This may be OK if you plan ahead. If you wait until you are almost out of medications before you order a refill, however, you will need to pay for overnight or one-day shipping, which can be expensive.
No face-to-face contact with your pharmacist: One of your most valuable health resources in your community is your pharmacist. If you take several medications and use over-the-counter drugs, your pharmacist can advise you about interactions and side effects.
How Can I Find a Mail-Order Pharmacy?
If you are employed and your company offers a health plan with drug coverage, you most likely have the opportunity to order your medications through the mail.
Most large health plans work with companies known as Pharmacy Benefits Managers (PBMs), which manage the drug benefit for the health plan. Since these companies can buy medications in large quantities directly from the drug companies, they are able to offer you discounts on medications that you order through the mail. The largest PBMs in the country, Medco. Caremark and Express Scripts. provide mail-order drugs to more than 100 million people.
Large drugstore chains, such as Walgreens and Wal-Mart. also offer services that allow you to order medications through the mail. You have the option to pick them up at a pharmacy or to have them mailed to your home. Moreover, large online drugstores, such as drugstore.com. provide a discounted 90-day supply of medications similar to the chains and the PBMs.
different options for you to get mail-order prescription medications, depending on your health plan and financial situation.
Can I Order Medications Through the Mail if I Have Health Insurance?
If you have drug coverage as part of your health plan, check your benefit booklet and your health plan’s website to see if your health plan uses a PBM. Since your medication is being paid for by your health insurance, you are responsible only for the copayment.
If you are ordering a brand name prescription drug, your best option to save money is most likely a 90-day supply from your health plan’s PBM.
For example, your copay for Diovan (valsartan), a medication used to treat high blood pressure, may be $25 for a 30-day supply at your local pharmacy and $50 for a 90-day supply from your health plan’s PBM, a savings of $25.
If you are taking a generic medication. such as simvastatin (brand name Zocor), which is used to treat high cholesterol, though, your health plan’s PBM may charge $15 for a 90-day supply, while your local Wal-Mart pharmacy or supermarket pharmacy may charge only $10 for a 90-day supply.
Can I Order Medications Through the Mail if I Have Medicare Part D?
Most Medicare Part D drug plans offer mail-order prescriptions. This works the same as regular health insurance, with a smaller copayment if you order a 90-day supply of your medication from the plan’s PBM. When you reach the coverage gap or donut hole. though, you are responsible for the full cost of your medication. You can continue to purchase a 90-day supply through your Part D plan, but you may be able to save money by comparison shopping. Your options include:
- Using the mail-order service of the large drugstore chains, such as Wal-Mart and Walgreens.
- Using the mail-order services of online drugstores, such as drugstore.com and other online pharmacies that have been verified by the National Association of Boards of Pharmacy.
What if I Don't Have Health Insurance?
If you do not have health insurance with drug coverage, there are several mail-order options to help you get discounted prescription drugs.
AARP offers a discount prescription medication program that is managed by Walgreens and is available to AARP members.
Two mail-order pharmacies sell a 90-day supply of a limited number of prescription medications for $20, $30 or $40. These online companies, RxOutreach and Xubex. have income requirements. For example, a household of two would have to make less than $43,710 per year to qualify.
Some Tips from Dr. Mike About Using a Mail-Order Pharmacy
- If you need a new medication, have your doctor write two prescriptions. One is for two weeks and is to be filled at your local pharmacy. The other is for a 90-day supply and is to be sent to the mail-order pharmacy.
- If you are paying the full cost for your medication, ask your doctor if you can use a generic. Then check if the medication is available through low-cost programs at Wal-Mart, Target and some supermarket chains. These may be the least expensive option for you, with some drug costs as little as $9.99 for a 90-day supply.