June 2002 -- Drug discount cards can help many people get the medications they need without having an unhealthy effect on their budgets. It helps, however, to know what to ask before signing up for a card. Here are a few suggestions:

1. How many pharmacies accept the card? Make sure it will work at the one you use.
2. Are the drugs you currently take included in the program? Some cards don't offer a discount on every drug.
3. Is there an enrollment fee or monthly charge for the card? If so, make sure the savings are greater than the fee.
4. Do you qualify for the card? Some cards have age or income restrictions.
5. How much of a discount will you get? Beware of unrealistic claims. You should save between 10 and 20 percent, depending on the pharmacy and the drug.
6. Is the organization offering the card legitimate? Check with your pharmacist to be sure an established company with a solid reputation is behind the card.
7. Will the card program monitor all the drugs you take and inform your pharmacist about potential drug interactions? This is an important safety feature offered through some cards.
8. Is there a Web site or toll-free number you can go to for information? It's always a plus to have a convenient source for answers.