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Prescription Drug Discount Card Information |
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County Mayor
208 Courthouse
625 Georgia Avenue
Chattanooga, TN 37402
423-209-6100
FAX 423-209-6101
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Frequently Asked Questions
about the Hamilton County Discount Card Program in Partnership with the National
Association of Counties
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Where can I get more information and apply for the card?
www.caremark.com/naco
What is the Hamilton County Discount Card Program in Partnership with the National
Association of Counties?
The card is a joint effort by Hamilton County and the National Association
of Counties which we usually just refer to as NACo to provide Hamilton County residents
with a discount on prescription drugs
Who can use the Prescription Discount Card?
Any Hamilton county resident, no matter what age or income.
How do you use the Prescription Discount Card?
Using the Hamilton County-NACo prescription discount card is easy. Simply
present it at a participating pharmacy. 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 health
insurance.
Will this card help save money on prescription drugs?
NACo says the average savings is 20 percent for drugs not covered by insurance.
Do the discounts’ vary?
Yes, depending on the medication, but the average savings on prescription
purchases should be about 20 percent.
What if I have health insurance, can I use the card?
Yes, if the prescription is not covered by your existing health insurance.
Will my personal information be sold?
No. It is not sold in any way.
Is there a need for this card?
Yes, according to a 2006 Community Research Council study, during a 12
month period, 20 percent; that is one out of five people did not have heath insurance
at some point during that period. 9 percent had no coverage for the entire 12 months.
Who is the Community Research Council?
The Community Research Council is a local independent research group that
does contract work for the Health Department.
Is there any other study that backs up the Community Research Council’s claim?
Yes, a 2004 Hamilton County study showed 13 percent of our population was
without health insurance.
Where can I pick up a card?
We have distributed them to over 100 locations across the county.
You can pick up a card at…
1.) 86 different pharmacies, including Bi-Lo, CVS, Wal-Greens, Wal-Mart and
many local pharmacies.
2.) Hamilton County Health Department buildings.
3.) Chattanooga-Hamilton County Libraries.
Will this card help seniors who have hit their Medicare Part D temporary prescription
cap, pay for their drugs?
Yes, according to NACo there is a deductible amount of $265.00 in which
the Medicare-D member will pay 100% out of pocket until reached. The consumer will
then pay 25% for their medication until they reach a total out of pocket of $798.75.
Example - ($265+$533.75 = $798.75) * The consumer will then pay 100% of their medication
until they reach a total out of pocket of $3,850. Example- ($798.75+$3,051.25 =
$3,850.00) At this point you will have now reached your full Medicare-D benefit
and will only pay 5% for your medication. The amount between $798.75 and $3,850.00
is commonly referred to as the “donut hole.” You may choose to use your discount
card when paying the full amount of the drug cost. However if you use the card,
this delays your reaching the magic $3,850.00 amount where Medicare D pays all but
5 percent of your prescriptions. So be aware of what you expect to be your annual
drug expenditures if you are a member of Medicare –D. In some cases it might better
to pay the full amount in order to reach the $3,850.00 sooner, so you will only
have to pay 5 percent for your prescriptions. If you don’t expect your drug costs
to be that high then you should use the discount card.
Is this formula different than in 2006?
Yes.
Can I use the discount card for pet prescriptions?
Yes, NACo says this card will also help you save money on some of your
pet prescriptions at participating pharmacies.
Are there other regional counties where I can use the discount card?
Yes, NACo tells us the following counties are plan partners and you can
use the card in these counties. Bibb County AL Choctaw County AL Coosa County AL
Houston County AL Madison County AL Russell County AL Tallapoosa County AL Tuscaloosa
County AL Burke County GA DeKalb County GA Fulton County GA Habersham County GA
Jefferson County GA Quitman County GA Twiggs County GA Anderson County TN Carter
County TN Grainger County TN Hamilton County TN Hickman County TN Jefferson County
TN Lincoln County TN Marshall County TN Obion County TN Scott County TN Washington
County TN White County TN
Linked here is the press release about the card.
We hope this answers some of your questions about the Hamilton County Discount
Card Program in Partnership with the National Association of Counties.
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