Optum Perks – Easy Ways to Save on Prescriptions and Health Services

If you have health insurance that includes Optum Perks, you already have a tool that can lower drug costs and add extra health benefits. The program is free, works with many pharmacies, and can be activated in just a few minutes. Below we walk through who can use Optum Perks, what you get, and how to make the most of it.

Who can join Optum Perks?

Most people with a qualifying health plan—such as Medicare Advantage, Medicaid, or certain commercial plans—can sign up. All you need is a valid insurance ID and a photo ID. If your plan mentions "Optum" or "OptumRx" in the benefits summary, you’re likely eligible. Check your member portal or call the member services line to confirm.

What does Optum Perks give you?

Once you’re enrolled, the program unlocks three main perks:

• Prescription discounts: You get a reduced price on thousands of generic and brand‑name meds at participating pharmacies.
• Health‑related savings: Discounts on over‑the‑counter items, wellness programs, and some health‑coach services.
• Convenient tools: A mobile app that tracks your medication history, sends refill reminders, and shows the lowest price nearby.

All of these are designed to keep you from paying full price and to encourage regular medication use.

To start, visit the Optum Perks website, click “Enroll,” and follow the short form. You’ll receive a digital card that you can show at the pharmacy or add to Apple/Google Wallet. No physical card is needed, but you can request one if you prefer.

When you pick up a prescription, just tell the pharmacist you’re using Optum Perks. They’ll look up the discounted price and apply it automatically. If the pharmacy isn’t in the network, you can still use the app to find the nearest participating store.

Here are a few quick tips to stretch the savings further:

• Combine Optum Perks with manufacturer coupons for extra discounts.
• Ask your doctor if a cheaper generic version is available for your medication.
• Set up automatic refills through the app to avoid missed doses and last‑minute price spikes.

Many users also report that the app’s “price checker” feature helps them compare nearby stores before they head out. This can shave off a few dollars on each fill, especially for high‑cost brand drugs.

Common questions include:

• Do I need a prescription to use the discounts? Yes, a valid prescription is required for prescription meds, but you can use the perks for OTC items without one.
• Can I use Optum Perks at any pharmacy? It works at most major chains and many independent stores, but always confirm in the app.
• What if my insurance changes? Your Optum Perks eligibility is tied to your plan. If you switch plans, you may need to re‑enroll or lose the benefits.

Bottom line: Optum Perks is a simple, no‑cost add‑on that can lower your out‑of‑pocket costs and give you tools to stay on track with your health. Take a few minutes to sign up, add the card to your phone, and start checking prices the next time you refill a prescription. Your wallet—and your health—will thank you.