Understanding the AARP Prescription Discount Program at CVS
Many AARP members believe their physical membership card is the key to instant discounts at various retailers. While AARP provides a wide range of benefits, the primary method for saving at CVS Pharmacy is through the AARP® Prescription Discounts program, powered by Optum Rx. This is a crucial distinction. The benefit isn't tied to your physical card for an in-store discount but to a special prescription discount card you must obtain separately.
This prescription discount program is free and can be used by anyone, regardless of whether they are an AARP member. However, the value for members is significantly enhanced. AARP members often receive deeper discounts on medications, and in some cases, additional perks like prescription home delivery are included. Since CVS Pharmacy is a participating location in the Optum Rx network, you can present your discount card at any CVS to see if it offers a better price than your existing insurance or to cover medications not included in your current plan.
How to Access and Use the Prescription Discount Card
To begin saving on prescriptions, you must first access and obtain your free Rx discount card. Here is a simple process to follow:
- Visit the AARP Pharmacy Website: Go to the official AARP Pharmacy benefits website, which is managed by Optum Rx. You can get your card and look up drug prices there.
- Generate Your Card: Follow the on-screen instructions to get your personalized, pre-activated discount card. This can be printed or saved digitally on your smartphone for easy access.
- Present at CVS Pharmacy: When you are at the pharmacy counter to pick up your medication, show the pharmacist your AARP Optum Rx discount card. They can process the discount and let you know if it provides greater savings than your insurance plan.
- Compare Prices: Always ask the pharmacist to compare the price with your insurance and with the AARP discount card. This ensures you get the best possible deal on your medication. It's also a good idea to check prices online beforehand on the AARP Pharmacy website.
Beyond Prescriptions: Other CVS Savings for Seniors
While the AARP prescription benefit is valuable, it is not the only way to save money at CVS. The pharmacy offers several other programs that can be combined with your AARP benefits for maximum savings, particularly on non-prescription items.
CVS ExtraCare Rewards Explained
The ExtraCare program is CVS's free customer loyalty program and is a great way for seniors to save money on everyday purchases. You can sign up for free in-store, online, or via the CVS app. Benefits include:
- ExtraBucks Rewards: Earn 2% back in ExtraBucks on most purchases, which can be spent on future CVS purchases.
- Personalized Deals: Receive exclusive, personalized coupons and deals via email or the app.
- Birthday Treat: Get a special treat on your birthday.
ExtraCare Pharmacy & Health Rewards
In addition to the standard ExtraCare program, you can also opt into the Pharmacy & Health Rewards. This program is specifically designed to reward you for managing your health. By enrolling, you earn credits for filling prescriptions and getting immunizations. For every 10 credits you accumulate, you receive $5 in ExtraBucks.
AARP-Endorsed Medicare Plans and CVS OTC Benefits
Some AARP-endorsed Medicare Advantage plans, offered through UnitedHealthcare, include a quarterly or monthly over-the-counter (OTC) benefit. Eligible members receive credits on a UnitedHealthcare UCard® that can be used to purchase covered OTC products, and many CVS stores are participating locations. This can be a significant savings for items like vitamins, pain relievers, and other health essentials. Check your specific plan details to see if this benefit applies to you.
How AARP Benefits Compare to General CVS Discounts
To make the most of your savings, it is helpful to understand the different ways you can save and when each program applies. The following table provides a quick comparison.
| Feature | AARP Optum Rx Prescription Discount | CVS ExtraCare Program | AARP Medicare OTC Benefit | CVS CarePass (Paid) |
|---|---|---|---|---|
| Cost | Free (separate card) | Free (loyalty card) | Included with eligible UHC Medicare plan | $5/month or $48/year |
| Applicable Items | FDA-approved prescriptions | Most store merchandise | Eligible OTC products | All items (with specific perks) |
| Main Benefit | Prescription cost reduction | 2% back in ExtraBucks & coupons | Quarterly credits for OTC products | Monthly $10 reward, free shipping |
| How to Use | Present Rx discount card at pharmacy | Scan ExtraCare card at checkout | Use UCard at register | Use membership at checkout |
Maximizing Your Savings at CVS Pharmacy
To ensure you are getting the best deal every time you shop at CVS, follow these actionable tips:
- Always Carry Your Discount Card: Whether it’s your AARP Optum Rx card or a digital version on your phone, always have it ready when picking up prescriptions.
- Combine Programs: Use both your AARP prescription discount and your free CVS ExtraCare card. Use the former for prescriptions and the latter for everything else in the store.
- Check for Medicare OTC: If you have an AARP/UHC Medicare Advantage plan, know your quarterly credit balance and use it for essential health items at CVS.
- Compare at the Counter: Never assume your insurance is the cheapest option. A quick comparison with your Optum Rx card at the pharmacy counter can sometimes reveal a lower price.
- Look for Weekly Deals: Check the CVS weekly ad and the ExtraCare app for additional coupons and sales to stack with your rewards.
Conclusion
While you cannot simply flash your AARP card for a store-wide discount at CVS Pharmacy, your membership provides significant savings opportunities. The key is to leverage the right program for the right purpose. The AARP® Prescription Discounts provided by Optum Rx® offers substantial savings on prescriptions, while the free CVS ExtraCare program and AARP-endorsed Medicare benefits handle discounts on other health and wellness products. By combining these different avenues, you can truly maximize your savings at CVS. To get started with your prescription savings, visit AARP Pharmacy Benefits for more information. Remember to always ask your pharmacist to compare your savings options to get the most for your money.
