The American Savers
Business Alliance Program
Addresses the high cost of prescription drugs by providing
Members with access to a unique Voluntary 4-level program with maximum fixed pay
amounts.
Members pay a low maximum fixed amount on over 4,000 Brand Name
and 2,000 + Generic prescription drugs in Levels One, Two and Three:
Level 1 Drugs at $10 or less
Level 2 Drugs at $20 or less
Level 3 Drugs at $40 or less
Level 4 Drugs at Low Contracted Rates
Level 4 drugs are available at significantly discounted rates through a Pharmacy
Network of over 45,000 retail locations nationwide including most major chains.
Members will pay 20% below the Average Wholesale Price (AWP) or the Maximum
Allowable Cost (MAC, an established managed care cost), whichever is lowest.
Members in need of maintenance medications (90-day prescriptions) may save even
more by utilizing a Mail Order Delivery Program.
No Age Limit, No Deductible, No Claim Forms, No Waiting
Periods
No Usage Limitations, No Pre-Existing Condition Restrictions
Friendly, Customer Service
PHARMACY SEARCH
PRESCRIPTION
SEARCH
This is Not Insurance *Dispensed quantities may
be limited **Not all drugs available
WHAT DOES "Negotiated Price" Mean?
Your calculated
price includes a network discount off the cost of the drug and the pharmacist's
dispensing fee. This negotiated "calculated" price is generally much lower than
the pharmacy's regular price.
WHAT HAPPENS IF MY LOCAL RETAIL PHARMACY'S ADVERTISED PRICE IS LESS THAN THE NEGOTIATED
NETWORK PRICE?
The pharmacist
should submit the regular price to the processor. The processor allows only the
lower of the regular price or the negotiated price. (It is not uncommon for some
stores to advertise "loss leader drugs" - drugs that they are willing to lose money
on to encourage customers to come to their pharmacy.) If your drug is advertised
at a lower price than the negotiated price the pharmacist should submit the advertised
price to the processor. Do not allow yourself to be penalized because your prescription
is being processed! Remember - your prescription must be transmitted to the processor
so it can perform necessary safety checks against your drug profile.
HOW CAN I TELL IF MY PRESCRIPTION HAS BEEN TRANSMITTED?
A prescription
that has been electronically processed should have a "Claim Reference Number" printed
on your receipt or label. Always check for this number. This way you can be assured
that you have received the lowest price and that your medication has been checked
against your central profile for interactions or other problems.
WHAT PHARMACY CAN I GO TO?
This plan
recognizes Any Willing Pharmacy Provider. Any pharmacy that agrees to meet the plan's
conditions and electronically submit your prescription can fill it for you. Over
50,000 thousand pharmacies across the USA have already agreed to do this. However,
if your personal pharmacy is not a member of this network, the pharmacist can call
the toll-free number on your membership card and immediately arrange to process
your prescriptions.
WHAT CAN I DO IF A PHARMACY WILL NOT HONOR MY DRUG CARD?
Pharmacy is an
increasingly competitive business - as is all of health care. However, some pharmacies
may not wish to compete in today's environment - or they may feel that they do not
need to. This plan gives any qualified pharmacy desiring to participate the opportunity
to do so. If you wish to take advantage of your plan and its benefits, you will
need to go to a participating network pharmacy. This may require that you use a
new pharmacy. Fortunately there are many who will value you as a customer - over
50,000 stores. Remember, a decision not to participate is that of the individual
pharmacy, not the plan.
CAN I TRANSFER MY PRESCRIPTIONS TO A PHARMACY THAT WILL HONOR MY CARD?
Yes. The pharmacist at the store you wish to transfer your prescription to can
usually do this for you.
WHAT PRESCRIPTION QUANTITY CAN I GET?
Your physician
determines this; the standard is a 30 days supply. When using the "Maximum Out of
Pocket" feature, this plan does limit quantities per prescription. However, if you
are on expensive maintenance prescriptions it would be much less expensive to purchase
your drugs through the Mail Order Option.
SATISFACTION GUARANTEED
The Rx
MaxPay is confident you will be pleased with the service you receive, and you will
appreciate the assurance that your family has access to affordable health care.
If your card does
not save you more money than it costs you, simply cancel in the first 30 days and
we will refund your member fee.
AmSBA Plan & Rates:
FAMILY
is a Member, Spouse, and Dependent children through age 17 (through age 24 if full
time student).
If your card does
not save you more money than it costs you, simply cancel in the first 30 days and
we will refund your member fee.
To Enroll Use one of the
options available:
For Monthly "Checking Acct" Withdrawals: Click:
"ONLINE ENROLLMENT APPLICATION "
For Monthly "Credit Card" Withdrawals: Click:
"FAX or MAIL APPLICATION "
Once you receive your membership card with your effective date on
it,
you may immediately start enjoying the many benefits of AmSBA II.
Effective Date:
All effective dates will be on the first (1st) of the month. Any enrollment application
received by the 28th of the month will be effective on the first of the next month.
All enrollment applications received after the 28th will be effective on the first
of the following month. Example: Date received - Jan. 29th / Effective date - March
1st.
Changes
in Coverage / Cancellation Policy:
For your protection
we require that you notify AmSBA II in writing of any status change you wish to
make in your coverage. AmSBA II will accept cancellations in writing only. You may
cancel your coverage at any time, however you will not receive a refund for any
month in which your coverage was in force/active. Please email us to request this
form.
