SaveNow Rx Plan

Plan Overview

This plan includes an Insured Generic Drug Card plus a non-insurance International Mail Order Pharmacy Card.

These two benefits combined are designed to provide you with a cost effective plan to obtain the prescription needs for you and your family.

Plan Includes

	A Fully Insured Generic Co-pay Prescription Card
	and
	An International Mail Order Card

American families are faced with the ever increasing cost of their prescription drugs. There is an  urgent need for a prescription plan available to everyone that really works! The SaveNow Rx Card Program is one of Americas few stand alone insured prescription plans that is guaranteed to be issued regardless of any pre-existing prescription use. The plan is unique because it combines a fully insured generic co-pay prescription card, insured by Companion Life Insurance Company, with a powerful International Mail Order Pharmacy program. The insurance portion of the plan, makes available generic prescriptions at a very low co-pay amount.  The mail order program provides co-pays for name brand drugs.

Features of SaveNow Rx Plan

$3 to $15 Co-Pay
Fully Insured Generic Prescription Card

Insurance Underwritten by:
Companion Life Insurance Company

Generic Prescription Insurance
The insured portion of the SaveNow Rx Plan is underwritten by Companion Life Insurance Company of South Carolina. The benefits allow members to purchase most of their generic medications including oral contraceptives and prenatal vitamins at a cost ranging from $3 to a maximum of $15 per covered prescription. The insurance pays the balance of the cost of the medications. Your out-of-pocket cost varies, but will not exceed a maximum of $15 per covered prescription. Each individual or family member on the plan will have a maximum benefit of $150 per person and $450 per family, per month. The yearly maximum benefit for each individual is $1,800 and $5,400 per family. Name brand prescriptions will be discounted at participating walk-in pharmacies.

Exclusions and Limitations

What benefits are not covered? No benefits shall be payable under this Plan for the following:

1. All new first year generic drugs.
2. Drugs covered under Workers’ Compensation unless otherwise indicated.
3. Experimental or investigational medications.
4. Medication administered by a healthcare provider or charges for the administration of such drug.
5. Medications administered while in a hospital or other care facility.
6. Medications that are used in research trials sponsored by their manufacturers or a government
7. Medications or services furnished in a research trial, if the sponsor of the research trial furnishes the drugs or services without charge to any participant in the research trial.
8. Medications that do not require a prescription.
9. Medications that are not prescribed in writing or verbally by a physician.
10. Brand Name Medications and Generic Forms of the following:

*Generic forms of this medication are available for co-pay option
Note: Over-the-counter medications are excluded from the co-pay and discount option. All covered generic prescription benefits specified on this page must be prescribed by a physician or authorized representative to be included under this policy.

$25 to $75 Tiered Max-Pay
International Mail Order Pharmacy Card

Brand Name Mail Order
and Maintenance Drugs
Pricing Lookup

The name brand max-pay program is not insurance, although members can purchase 90-day supply of thousands of the most common name brand medications at dramatically reduced prices that compete with insurance co-pays. These prices are the result of international contracts that purchase name brand prescription drugs at a greatly reduced prices and pass the savings directly to you with fixed tiered max-pays.

Tiered Max-Pay of:
$25, $40, $50, $60 or $75 per 30 day supply

Compare Our Costs on Some Common Medications

WorldDoc

The SaveNow Rx Plan includes the following WorldDoc benefit at no additional cost.
WorldDoc is not insurance.

WorldDoc Health Management Systems is a new and exciting benefit which will allow you to evaluate your health symptoms and understand your medication and their costs.

WorldDoc offers online health decision support services that empower people to make better health care choices. Using an online, interactive graphical and text based system, WorldDoc easily helps people decide what they may have and what they should do for medical problems like cough, red eye, high blood pressure, asthma, or knee pain. Every time you have a health related question login with your username and password to access these WorldDoc tools:

Personal Evaluation System - use this tool to evaluate your symptoms, find out what conditions you might have and how to treat them.

Health Risk Assessment - this tool helps you evaluate your overall health and find out your risk levels for major preventable diseases.

Medical Library - use this tool to search information about medical conditions, tests, self-care and medical treatments.

Health Helpers - is the place to go when you need information on how to prevent diseases and manage long-term chronic conditions.