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Member Services:
Advance Drug Card
4830 W. Kennedy Blvd., Ste 695 Tampa, FL 33609
(877) 230-3336
low cost health insurance


Four tiers of drug pricing: $10, $20, $50 and discount
Accepted at over 42,000 pharmacies nationwide including all the major chains
Often more cost-effective than insurance in terms of net out-of-pocket cost
Online formulary listing each medicine and the amount you pay
Online enrollment with fast 2 day membership processing

A simple, no hassle prescription drug discount plan that allows you to pay a flat fee of  $10, $20 or $50 per prescription on most drugs. A percentage discount is offered on drugs that are not listed in the formulary. The drug listing is easy to use so you know the price you will pay in advance before visiting the pharmacy.
low cost health insurance
Who is eligible?
Everyone under age 65 is eligible for this plan.
low cost health insurance
This is a discount pricing plan and not an insurance policy. This plan does not pay benefits to the pharmacy. Plan offered by Advance Benefits Inc, and administered by IHC Health Solutions, Inc.

Rx Pay Card

Product Review

This product is offered through Advance Benefits. Their Web site and direct member support options address most questions about the prescription benefits and formulary.

Participating pharmacies included at the time of this review were: Albertsons, Arbor Drug, BI-LO Pharmacy, Big Bear Pharmacy, Brooks Pharmacy, Bruno’s Pharmacy, Costco, Cub Pharmacy, CVS Pharmacy, Dillon Pharmacy, Dominick’s Pharmacy, Drug Emporium, Duane Reade, Eckerd Pharmacy, Fagen Pharmacy, Farmer Jack, Food Town Pharmacy, Fred Meyer, Fruth Pharmacy, Genovese Drug Store, Giant Eagle, Grand Union, Harris Teeter, Horizon Pharmacy, HY-Vee Pharmacy, K Mart Pharmacy, Kash N’ Karry, Kerr Drug, King Sooper’s, Kinney Drug, Kroger Pharmacy, Long’s Marc’s, Medic Discount Drug, Medic Drug, Medicap Pharmacy, Medicine Shoppe, The Meijer Drug, Osco Drug, Pamida Pharmacy, Pathmark Pharmacy, Price Chopper, Publix Pharmacy, Rite Aid Pharmacy, Safeway Pharmacy, Save-On, Schnuck’s Pharmacy, Shop ’N Save, Shopko Pharmacy, ShopRite Pharmacy, Stop & Shop, Target Pharmacy, TOPS Pharmacy, United Pharmacy, Von’s Pharmacy, Wal-Mart Pharmacy, Walgreens, Wegman Pharmacy, Weis Pharmacy, and Winn Dixie Pharmacy

If you wish to submit comments to be incorporated into the review, please e-mail us. We appreciate your feedback.


This product appeals because of the simplicity of the three tiers of flat co-payments: $10, $20, $50. The formulary list is extensive.


Advance Benefits may not be as easy to reach for enrollment support as insurance exchange personnel.

We have no indication that the flat tier pricing formula is more beneficial to consumers than variable pricing discount prescription plans and the tier 4 discounts are apparently about the same price as other discount drug plans.

Forms in PDF format for download

All available forms can be found by following the quote and enrollment link above.


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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.