Saving Money on Prescriptions

Saving Money on Prescriptions

My family has health insurance, but we opted out of prescription coverage because a) it is expensive, and b) we don’t have any prescriptions that we take daily. We figured we’d come out ahead by paying the full price for prescriptions when we rarely need them.

So far this has worked out fine, but I’ve had two prescriptions I’ve needed filled in the past couple months. Being without prescription coverage for the first time in my life, I decided to give one of those prescription discount cards a try. I looked around and chose YourRxCard. It is free, you can print it instantly without filling out a form, and it is accepted by all the major pharmacies (Walmart, Walgreens, CVS, etc.). But the big question is: does it actually save you any money?

I quickly printed out the card (took maybe 30 seconds) and took it and the prescription to Walgreens. I felt very awkward handing it to the pharmacist, but she took it and entered the details into the computer without giving me any hassle. There was a line so I didn’t want to bother the pharmacist to ask how much the card was saving me, so when I got home I called another Walgreens to check the price of the prescription without insurance. The results? $0.00 savings. Bummer.

Today I got a different prescription filled. It cost around $138 at Costco without insurance, but only $60.49 at Walgreens (always shop around for pricing when buying anything expensive!). I verified my discount card was still in the system. When I picked up my prescription, I was happy to find out I was only being charged $45.79 — a savings of over 24%! The prescription paperwork even said “Your Insurance Saved You: $14.70”, confirming that I did in fact get a discount just for printing a piece of paper off of the internet.

Bottom line: Is it worth the hassle to print a discount card if you don’t have prescription coverage? Absolutely! Check it out at YourRxCard.com.

Disclosure: This is not a paid posting. I was not compensated for posting this, and I don’t receive any money, discounts, or other benefits if you use YourRxCard. I just liked it and wanted to share.

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Find out why your car insurance is so high

So I’m sure you are all aware of Comprehensive Loss Underwriting Exchange (C.L.U.E.), right? What?! You’ve never heard of it? Okay, me neither until today, but I’ll save you some time and give you the highlights of what I’ve learned.

C.L.U.E. is sort of like your credit report, but instead of tracking your credit cards, they track your personal auto and property claims. So what does this mean exactly? Well let me share the details of my personal auto C.L.U.E. report:

  1. $60 for windshield repair after I caught a rock on the highway.
  2. Another $60 for windshield repair for another rock.
  3. $1,142 to fix someones bumper after my wife accidentally backed into their car. Even though I wasn’t driving the car, the accident goes on my report because the policy was in my name.
  4. This is the one that makes my blood boil: $7,979 for “BODILY INJURY” and $1,125 for “PHYSICAL/PROPERTY DAMAGE”. About 2 years ago I was stuck in traffic. A van drifted into my lane and their side mirror scraped from the back of my car to the front, and took off my side mirror. I was found at fault even though they hit me because the cop was mad that I didn’t merge earlier (her words, not mine). We were going maybe 2 MPH and nobody was hurt. Their van wasn’t damaged (heck, the only part that touched my car was their side mirror). But because the people in the van were scummy thieves, I’m stuck with $9,104 in damage on my C.L.U.E. report.

So aside from making me hate mankind, why are these items important? Whether you are aware of it or not (and most people aren’t), all auto insurance companies pull your C.L.U.E. report before giving you insurance. This report plays a huge part in how much you are going to pay for insurance.

But these companies are keeping track of more than your auto claims. The personal property report keeps tabs on claims against your home or apartment insurance property policies.

But wait, there’s more! Curious how much it will cost you to fix your bumper after an unreported fender bender? In most states, simply asking about a claim is enough to get a negative mark on your report. There have been reports of people having their home insurance policies canceled after calling to inquire about the cost of fixing water damage, even though they didn’t actually report water damage or file a claim.

There are also reports of people paying outrageous rates for their insurance policies because of mistakes on their reports.

So what can you do about it? Luckily, federal law lets you get a free report every year. It takes about 5 minutes and you’ll need to be able to answer the same sorts of questions you’d answer when getting your credit report (like what streets you’ve lived on). If something is wrong, you can dispute it and possibly get a lower insurance rate. If you live in a consumer-friendly state (like California) you can sometimes even get valid information taken off if it violates reporting laws.

So request your free report today and see what it says. It might surprise you.

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Yo IDE is so old that when asked for its version number it gives a Roman numeral

I’ve had the pleasure poke-my-own-eyes-out-with-a-stick torture of doing a lot of VB6 programming at work lately. The language is pretty primitive compared to newer languages, but it isn’t too bad.

The thing that has been really getting on my nerves is the inability to scroll the page with my mouse’s scroll wheel. VB6 is literally so old that the IDE doesn’t know what to do when you scroll your mouse wheel. Considering the scroll wheel is a 15 year old technology, it is likely that some of my younger readers have never even used a mouse without a scroll wheel.

Well, thanks to Microsoft’s commitment to supporting their antiquated software, there is a solution! Microsoft provides an add-in DLL that makes the VB6 IDE smart enough to know what to do with the scroll wheel. Installation takes about 2 minutes and so far so good.

Get the DLL direct from Microsoft here.

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Perceptions

Perceptions

My wife recently introduced me to Hyperbole and a Half, an absolutely hilarious web comic. Reading it has gotten me wanting to make some comics of my own, but I’m not very good and don’t have enough ideas to make a whole site out of it, so I’m going to throw a couple in to this blog as I come up with them.

For my first comic, I’d like to talk about perceptions. I’ve often noticed that how I see myself and how others see me isn’t always the same.

I see myself as a relatively happy, normal person. The grass is fairly green, the sun is sunny enough, and although my smile may be a bit crooked, it is still a smile. I say “hi” when I see someone I know at the super market. I’m grateful for the many things I’ve been blessed with. Life is good.

I’ve come to realize, however, that some people (namely, everyone except me) see me as a negative person. I’ve never quite figured out why. Maybe I’m just blind to my own faults. Maybe other people have unrealistic views of the world. Maybe I have unrealistic views of the world.

Maybe the world doesn’t exist at all. Maybe I’m sitting in a coma in a hospital somewhere, imagining everything going on around me.

Maybe I shouldn’t stay up until after midnight attempting to make homemade yogurt. Maybe I should have read the instructions better so I could have started earlier.

Maybe I shouldn’t make comics. Maybe you should just read about Allie’s mentally challenged dog instead.

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