Script Relief

Hi [redacted]—First, let me apologize to you and your son as our cards are not meant to be sent to minors—this was an error on our part.  We work with a series of partners to help us identify those who might benefit from a pharmacy discount program.  While we do conduct many levels of...

cleansing including a screen for minors, at considerable expense to our organization, unfortunately your son's name was not removed from our system.  Typically this happens when a minor (or an adult on their behalf) purchases something from the internet with a credit card, or if they fill out an online form or survey and don't give their correct age.  Either way, I’d like to assure you that your son’s rights are fully protected, as is his privacy.  I want to make it very clear that we NEVER sell or rent personal information.  I have your home address, but if you could please confirm for me your son’s name I will ensure all information is removed from our database.  Additionally, I’d like to find out why his information was in there in the first place.  If you still have the cards and can send me the Authorization/BIN/PCN/GRP numbers located on the front of the cards, I can use that to determine the source from which we received your son’s information.  I’m terribly sorry for this inconvenience and would be more than happy to further discuss any concerns you might have.  Please feel free to contact me by phone or email--I've listed both below.Joe K[redacted]###-###-####

To whom it may concern, 
Our pharmacy discount card is not meant to be sent to minors. I apologize that one was. This was an oversight. We will gladly remove this person's name from our records, and will no longer be sending to this address in the future. Furthermore, we have a...

dedicated team of operators on hand 24 hours a day, 7 days a week, 365 days a year ready to answer any questions or concerns. Finally, we do not practice phishing, nor do we sell or rent our cardholder's personal information. We are fully compliant with HIPAA and always strive to protect our cardholder's privacy. If you have any additional questions or concerns, please feel free to contact me at any time. 
Thank you, 
[redacted]

Dear [redacted]— We try our best to identify people who are likely to benefit from a pharmacy discount program, and I apologize that we mistakenly identified you as such.  Cardholders may be placed on our mailing list from making inquiries about medical insurance, opting to receive...

mailings when signing up for some online programs, or through third party marketing partners.  You should know that the cards aren't tied to you personally---they operate just like reusable coupons. This means that you can use them or dispose of them however you wish--there's nothing about them that identifies you as the owner of the card.  When you use a coupon at the grocery store, normally the cashier takes the coupon from you and you only get to use it that one time. But with our cards, the pharmacist gives it back to you to use over and over.  Usage of the card doesn’t create an account in your name with anyone—it’s simply a coupon.  You mentioned in your letter that we received your information from a company you sent an application to nearly two years ago.  Would you mind replying back to me with the name of that company so that I may confirm?  In the meantime, you have been placed on a DO NOT MAIL list and will not receive any more of our free cards.  I look forward to your reply and will be happy to answer any additional questions you might have. Many thanks, Joe

(1) I want to be removed from their mailing list.(2) I would like to know how did this company get my mailing address, since I did not request a card from them.

Dear [redacted],
Thank you for reaching out to us. It has come to my attention that you received our prescription benefit cards in error. Let me say that I am very sorry for any way this may have inconvenienced you. Please know that I have removed your name from our...

mailing list. To that end, you should not be receiving any additional materials from us moving forward.
I want to thank you again for writing to us, [redacted]. I’m very sorry you had a negative experience with our product. We appreciate your comments as we rely on such feedback to improve our business and user experience.  If you have any additional comments or concerns, please do not hesitate to reach out to me at any time.
Kind Regards,
[redacted]  
[redacted]

Dear [redacted]  I’m sorry to hear you were not satisfied with your 10% discount.  I hope with this response I’m able to address your concerns.  As way of background, we are partnered with [redacted]—a division of [redacted] and one of the nation’s largest Pharmacy Benefit Managers...

([redacted])—which essentially acts like a huge consumer group buying service for the uninsured and underinsured.  The discounts and savings on medications are provided by more than 62,000 participating pharmacies that have agreed to provide prices similar to what they give large insurance companies and employers (negotiated by [redacted]).  In return, the pharmacies get more business, in three ways:   We direct people with our cards to their stores; People are able to fill more of their prescriptions because of the savings; People often buy other things when they go into the store to get their prescriptions.   Our cards are distributed free of charge, and may be used by consumers to obtain discounts on pharmacy purchases or compare discounts to which they are entitled under other programs.  These cards provide real benefits to consumers who are uninsured, underinsured, and even those who have prescription insurance. To be clear, consumers do not pay for the card, may use the card to either make purchases or simply compare prices with other benefits, and are under no obligation whatsoever to use the card.  Because there is no personal information tied to any of our cards, they may be used or disposed of at the consumer’s discretion—just like a coupon.    Our cards are distributed freely to consumers via direct mail, inserted into savings-based mailings like [redacted] and [redacted], and they are also available at certain doctor’s offices, urgent care facilities and other locations like Dollar General stores.  ScriptRelief also has a partnership with the [redacted], acting as the distributor for the City of New York's Big Apple Rx prescription discount card.   Again, the cards are not alternative forms of insurance coverage and they don’t replace prescription drug insurance. But, they can save people money if they are uninsured or have a prescription that falls outside of their insurance coverage.  For those with insurance, ScriptRelief recommends cardholders present one of our cards whenever filling a prescription so they can compare prices.    Discounts for each medication will vary by pharmacy, prescription and even time of day; unfortunately, these factors are out of our control. We list the maximum discount that is available for particular medications on our website, but these discounts are not guaranteed; the discount provided at the pharmacy may be more (or less) than the amount shown on the website.  When a cardholder uses one of our cards, they pay the price that [redacted] and that particular pharmacy agreed upon for that particular drug, at that particular dosage, in that particular city, at that particular time of year.  So the “discount” isn’t any set percentage off, but is instead the difference between [redacted]’s negotiated price and the retail price the pharmacy would have charged the cardholder otherwise (in your case $238.14 vs. $214.14).  No matter the drug, it is impossible for us to predict with exact certainty what the discount will be, because we have no idea where and when a cardholder is going to use one of our cards, or what the pharmacy’s retail price for any drug might be (factors that affect the “discount”).  If the retail price of Zostava at the [redacted] pharmacy you visited had been higher, then our discount would have been higher as well (because the difference in prices would have been greater)—but we have no control over what any particular pharmacy charges as the retail price for any particular drug.  You should know that we worked with the Metro NY Revdex.com in reviewing our savings claims so they comply with applicable laws and Revdex.com guidelines.  These claims were vetted and approved by that office in 2013.  The same office contacted us again this year to review the claims, and despite our timely provision of its substantiation, Metro NY has yet to respond, instead indicating that it is still reviewing the material.   I’d also like to address your claim that ScriptRelief charges [redacted] each time a coupon is run—as this statement is incorrect.  Whenever a customer fills a prescription at any pharmacy with any type of alternative payment (insurance[redacted].) the [redacted] processing the claim will charge the pharmacy a nominal fee for the use of their technology.  If a person has an insurance policy through “[redacted]”, and they try to fill a prescription at any pharmacy—the [redacted] that supports “[redacted] Insurance Company” will collect that fee, not the insurance company.  So again, your claim that ScriptRelief collects a fee from [redacted] every time a coupon is run is false—we do not collect any fees from [redacted].   Finally, I’d like to point out that since 2011, ScriptRelief has saved more than 9 million cardholders over $1 billion.  That is one billion dollars in the pockets of consumers all across the country that they wouldn’t have otherwise—at no cost to them!  We see that as a pretty significant number.  Most of our cardholders are happy with whatever discount they receive, and I’m sorry to hear you’re not one of them.  Please let me know if you have any additional questions or concerns that have not been addressed in this letter—I’d be happy to help.  If you’d prefer, you can even reach me directly via my personal email or phone number.  I’ve listed both below.    Thanks, [redacted] ###-###-####

Revdex.com:
At this time, I have not been contacted by Script Relief LLC regarding complaint ID [redacted].
Sincerely,
[redacted]

I spoke to [redacted] directly via email. In a very unfortunate set of circumstances, he requested to be taken off our mailing list after our production and mail cycle for the month of January had already begun. He was removed from our mailing on the day of his initial request, but unfortunately it was too late to stop the two mailings he received. He is not on any of our lists and should never receive any materials from our organization in the future. I apologized personally to [redacted] for the inconvenience.

Dear [redacted]:Thank you for calling into our customer service call center about your mailing list concerns--I'm very sorry that you didn't get the answer you were looking for. As way of background, our pharmacy discount cards, which are distributed free of charge, may...

be used by consumers to obtain discounts on pharmacy purchases or compare discounts to which they are entitled under other programs.  These cards provide real benefits to consumers who are uninsured, underinsured, or who even have prescription insurance.  To be clear, consumers do not pay for the card, may use the card to either make purchases or simply compare prices with other benefits, and are under no obligation whatsoever to use the card. Anyone can use our cards, though I’m sorry to hear you will not be. Please know that I have removed your name from our mailing list.  Please allow two weeks for these changes to take effect, and you will not be receiving any additional materials from us moving forward.  I’m terribly sorry for this inconvenience and would be more than happy to discuss with you further any concerns you might have.  Please feel free to contact me by phone or email--I've listed both below. Many thanks,[redacted]

Hi [redacted]--Thank
you for your email.  As way of background, ScriptRelief’s card, which is
distributed free of charge, may be used by consumers to obtain discounts on
pharmacy purchases or compare discounts to which they are entitled under other
programs. These cards provide real benefits...

to consumers who are uninsured,
underinsured, or who even have prescription insurance. To be clear, consumers
do not pay for the card, may use the card to either make purchases or simply
compare prices with other benefits, and are under no obligation whatsoever to
use the card. The card may be used or disposed of at the consumer’s discretion—just
like a coupon.  Also just like a coupon,
receipt of a card does not sign you up for anything, nor is any personal information
tied to the card—it’s no different than a coupon you might receive in your
Sunday paper for toothpaste.  If you don’t
use the toothpaste coupon, you pay full price. 
If you do use the toothpaste coupon, you save money---and no fraud is
committed against you.  In fact, nothing
else happens to you.  That is exactly how
our cards and coupons operate as well.  If
you don’t have insurance and you purchase a prescription medication with one of
our cards, you save money—that’s it.  If
you don’t have insurance and you don’t use one of our cards, you pay full
price.  We do not prey on the uninformed
public and we take seriously any accusation or implication that our program is
fraudulent or deceptive in any way.  If you know of any such occurrence,
please let me know so that I may investigate immediately.  Here’s what we
actually do---save people money.  Since 2011, we have saved more than 8.3
million cardholders over $880,000,000.  We see that as a pretty
significant number.  The absolute worst thing that can happen by using our
card is receiving a discount that isn’t as much as you had hoped.  Even so,
that’s money you wouldn’t have had otherwise, and I'm sorry you don't see any
value in that.   Per your request, I have removed your information from our database.  I
have no record of you asking to be removed prior to this email to the Revdex.com--but
if that is incorrect, please let me know the date on which you made your
initial request so that I can investigate why that request was not honored.
 Again, I’m very sorry about the experience you had with our cards and am
happy to answer any additional questions you might have.  Feel free to
email me directly at [redacted].Many
thanks,Joe

[redacted]
Let me start off by saying I’m very sorry my previous two notes have not satisfied your concerns.  I’ll mention again that we have removed your name from our mailing list. Please also note that our free pharmacy discount program has proven to be a very valuable resource for a great number of people, and not created to “deliberately contrived to mislead and deceive” as you point out. I’m very sorry this hasn’t been the case for you. Additionally, I’m sorry our mailing has upset you. To your specific points:
1) I am aware that the cards and materials say “This card is not insurance.”  But, I’m afraid I don’t see the distinction between the cards reading, “this card is not insurance,” and my note to you saying, “we are not affiliated with an insurance program.” I agree that these are technically two different statements with different words. But they are ultimately saying the same thing: this is not insurance. We very much want to make this point clear to all of our cardholders. That’s why some variation of this disclaimer appears on all our marketing materials. You reference a past Revdex.com complaint wherein an individual mistakenly identified our materials as originating from an insurance company. I appreciate that some confusion may have arisen, but, again, that is why we make such clear disclaimers on our marketing materials.
2) I never mentioned that using the salutation of member was “a deliberate marketing plan to increase utilization of the coupons.” As I mentioned, our cards are pre-activated and available to anyone who is paying too much for their prescription medications. Additionally, a great number of our mailings go to repeat users. It may be that you accidentally received one of these mailings.  You also mention the “BIN, GRP, PCN codes” verbiage which is present on the back of our cards. This was in no way an attempt to convey the impression of something “more than a coupon” as you say. In fact, you may notice that this copy came under the words: Pharmacist Instructions. This is to alert the pharmacist to apply the appropriate discount to the cardholder, and is not meant for the cardholder to misconstrue as some legal obligation. Again, I see you have referenced an old Revdex.com complaint where someone else was confused. Though, I can’t see how our clearly marked “pharmacist instructions” could be related to a complaint from 2013.
3) You are correct that it would be easy for us to make our substantiation claims public on our website. We will take that under advisement. We are actively working with the Revdex.com on a number of issues. At such time where we feel compelled to publish our progress, we may consider posting them online. Thank you for the suggestion. Again, I see you reference a Revdex.com complaint from 2013 where an individual pharmacy was unaware of their contract status with our partner PBM. Unfortunately, I don’t see the connection to the point about your suggestion for our website.
4) Unfortunately, I do not see how there is a “clear intimation that the card is potentially a legal instrument.” You may again be referring to the clearly-marked “pharmacist instructions” on the back of our cards. You have referenced another Revdex.com 
complaint where an individual mistook our marketing materials as originating from the government. I’ll mention to you again that in the event that any of our marketing materials should ever remotely resemble something official, we would take great care to clearly disclaim our affiliations.  
5) We are not indicating that our cardholders pay nothing for their medications. Rather, we are indicating that they pay nothing to use our discount service. The whole point of ‘saving an average of nearly 50%’ should make clear that the price of
the pharmaceutical would never be free. The card and the program it represents are free. The availability of discounts is free. To your point on the usual and customary prices of pharmaceuticals, I’ll say that these prices fluctuate greatly and often. We simply cannot provide every interested citizen a look inside our business operations. We have made this information public to the New York State Revdex.com, however. We feel assured that our free program can save cardholders an average of nearly 50% off the price of out-of-network prescription medications. This is not alleged, but rather a clear claim that we have backed up with the New York State Revdex.com. We have satisfied their concerns on this matter. I’m only sorry we can’t do the same for you.
 
I want to assure you once more that we have removed your name from our mailing list. And I want to let you know I’m very sorry you’ve had such a negative experience with our free card. I’d like to thank you once more for your feedback.

Dear [redacted]— First, let me apologize to you and your son as our cards are not meant to be sent to minors—this was an error on our part.  We work with a series of partners to help us identify those who might benefit from a pharmacy discount program.  While we do conduct many levels of...

cleansing including a screen for minors, at considerable expense to our organization, unfortunately your son's name was not removed from our system.  Typically this happens when a minor (or an adult on their behalf) purchases something from the internet with a credit card, or if they fill out an online form or survey and don't give their correct age.  Either way, I’d like to assure you that your son’s rights are fully protected, as is his privacy.  I want to make it very clear that we NEVER sell or rent personal information.  I have your home address, but if you could please confirm for me your son’s name I will ensure all information is removed from our database.  Additionally, I’m more than happy to help you determine why his information was in there in the first place.  If you still have the cards and can send me the Authorization/BIN/PCN/GRP numbers located on the front of the cards, I can use that to determine the source from which we received your son’s information.  I’m terribly sorry for this inconvenience and would be more than happy to further discuss any concerns you might have.  Please feel free to contact me by phone or email--I've listed both below. [redacted] ###-###-####

Dear [redacted]— First, let me apologize to you and your daughter as our cards are not meant to be sent to minors—this was an error on our part.  We work with a series of partners to help us identify those who might benefit from a pharmacy discount program.  While we do conduct many levels of...

cleansing including a screen for minors, at considerable expense to our organization, unfortunately your daughter's name was not removed from our system.  Typically this happens when a minor (or an adult on their behalf) purchases something from the int[redacted]et with a credit card, or if they fill out an online form or survey and don't give their correct age.  Either way, I’d like to assure you that your daughter’s rights are fully protected, as is her privacy.  I want to make it very clear that we NEVER sell or rent personal information.  I have your home address, but if you could please confirm for me your daughter’s name I will ensure all information is removed from our database.  Additionally, I’d like to find out why his information was in there in the first place.  If you still have the cards and can send me the Authorization/BIN/PCN/GRP numbers located on the front of the cards, I can use that to determine the source from which we received your daughter’s information.  I’m terribly sorry for this inconvenience and would be more than happy to further discuss any concerns you might have.  Please feel free to contact me by phone or email--I've listed both below. Joe K[redacted] ###-###-####

Hi [redacted]—I’m so sorry you have not yet received your cards!  I’m not sure exactly what happened here, but maybe we can figure it out together.  While normally quite efficient, it is indisputable that our call center severely mishandled your repeated calls.  So in addition to taking...

corrective action, moving forward I will work with you directly each time you make a card request.  The amount of shipment data available to the call center agents is very limited, so by working with me directly I can personally ensure something like this doesn’t happen again.  Now—let’s see if we can figure out what happened here.  Your initial card request was received by our vendor on June [redacted] (typically the first Monday after a request) and sent via the [redacted] on June [redacted]—addressed to a [redacted].  Is that someone within your organization?  If so, is there a chance he has those cards in his possession?  If not, I can only assume that the name “[redacted]” was mistakenly included in the address label and the cards were returned to sender by the [redacted].  If that happens, our vendor will place that name and address on a master Do-Not-Mail list—which ensures that we don’t continue to send packages to someone who doesn’t live at a particular address.  Your second request for cards was received by our vendor on July [redacted] and included in the mail file created on August [redacted], which means the expected in-home date for all packages in that shipment is on or before August [redacted].  Because we ship in large quantities via the [redacted], we do not receive tracking numbers for individual packages so I am unable to provide you with a personal tracking number.  However, since you now have me on the case, you can contact me directly if you still haven’t received your cards by August [redacted] and I will personally send you a box via [redacted] so that we will have a tracking number and can follow the shipment.  Again, I do apologize for the way your calls were mishandled.  Please know that this is not indicative of how our customer service center normally operates—and corrective action will be taken.  In the meantime, other than letting me know if you’ve found [redacted] hoarding a box of your cards somewhere, please feel free to email me directly with any questions at any time at [redacted].Sincerely,Joe

Dear [redacted]--Thank you for writing to us.  I’m very sorry for the inconvenience our pharmacy discount cards have caused you and your son. As way of background, our pharmacy discount cards, which are distributed free of charge, may be used by consumers to obtain discounts on pharmacy...

purchases or compare discounts to which they are entitled under other programs.  These cards provide real benefits to consumers who are uninsured, underinsured, or who even have prescription insurance.  To be clear, consumers do not pay for the card, may use the card to either make purchases or simply compare prices with other benefits, and are under no obligation whatsoever to use the card.  The card may be used or disposed of at the consumer’s discretion.  Just like a coupon, there is no personal information tied to the card.  That being said, I want apologize to you and your son as our pharmacy discount card is not meant to be sent to minors.  We work with a series of partners to help us identify those who might benefit from a pharmacy discount program.  Cardholders may be placed on our mailing list through third party marketing partners, or may have been referred by a family member or friend.  While we do conduct many levels of cleansing including a screen for minors, at considerable expense to our organization, unfortunately your son's name was not removed from our system.  Typically this happens when a minor purchases something from the internet, or has an adult purchase something for them—and either doesn't give their age, or doesn't give their correct age.  Either way, I’d like to assure you that your son’s rights are fully protected, as is his privacy, and if you can confirm for me that your son has your same last name, I can check that against our list and remove your household from our mailing list immediately.  I want to make it very clear that we are HIPPA compliant, as was substantiated by this division of the Revdex.com, and we NEVER sell or rent personal information.  I’m terribly sorry for this inconvenience and would be more than happy to discuss with you further any concerns you might have.  Please feel free to contact me by phone or email--I've listed both below.Many thanks,[redacted]
[redacted]
[redacted]

Dea[redacted]--I'm sorry to hear about the difficulties you've had in being removed from our mailing list.  I oversee this process myself and have no record of your request but I am happy to fix this for you now.  Can you please confirm the address at which you're receiving the cards...

is: [redacted] 
[redacted] 
[redacted]Thank you for your response--and again, I'm very sorry for any inconvenience.  I will get this resolved for you immediately. [redacted]

Dear [redacted]: Thank you for writing to us.  I very much appreciate the opportunity to respond to your letter and hope that this response will address and satisfy your concerns.  As discussed in more detail below, ScriptRelief’s discount pharmacy card is legitimate and legal and...

offers consumers actual savings on all FDA-approved prescription medications.  We strongly disagree with and take exception to your characterization of the card and our company as engaging in fraudulent practices.  As way of background, our pharmacy discount cards, which are distributed free of charge, may be used by consumers to obtain discounts on prescription purchases or compare discounts to which they are entitled under other programs.  These cards provide real benefits to consumers who are uninsured, underinsured, or who even have prescription insurance.  To be clear, consumers do not pay for the card, may use the card to either make purchases or simply compare prices with other benefits, and are under no obligation whatsoever to use the card.  Just like a coupon, the card may be used or disposed of at the consumer’s discretion--there is no personal information tied to the card.  You state in your letter that we purport to provide discounts of up to 75% on all FDA-approved prescription medications.  This statement is true, and in an advertising review done by the Metropolitan New York division of the Revdex.com, those claims were substantiated.  Since 2011, our cards have saved over 7,500,000 cardholders more than $750,000,000.  We see this as significant savings.  Additionally, in your letter you make reference to our statement that everyone living in the U.S. is entitled to this discount.  This is also true.  What this means is that there are no exclusions tied to the usage of our card, including prior medical conditions or residency status.  This too was substantiated by the Metropolitan New York division of the Revdex.com. Next, you state in your letter that we do not indicate the amount the user would be required to pay for the purchased prescription.  I’m sorry this was confusing to you.  Discounts for each medication will vary by pharmacy, prescription and even time of day; unfortunately, these factors are out of our control.  For a better sense of what any prescription medication might cost, it is recommended that you consult your local pharmacy before making your purchase.  Once the amount of the discount has been determined, the cardholder will be responsible for the remaining price of the prescription after the discount has been applied.  For example, if the price of a prescription is $100, and the pharmacist does a price check and discovers that our card provides a discount of 75%, the cardholder will be responsible for the remaining 25%, or $25.  If your pharmacy did not accept our card, it sounds as if they are unfamiliar with our program.  Please have your pharmacist call ###-###-####.  Our helpline is open 24 hours a day, 7 days a week and will assist your pharmacist with the simple process.  If the problem persists, please let me know and I will personally help to resolve the issue.   Finally, we work with a series of partners to help us identify those who might benefit from a pharmacy discount program.  Cardholders may be placed on our mailing list through third party marketing partners, or may have been referred by a family member or friend.  I would be more than happy to let you know where we received your information if you could confirm that you received our cards at [redacted]Last, as you may know, HIPAA, the federal Health Insurance Portability and Accountability Act, prohibits any use of a consumer’s personal health information other than to fulfill the specific product or service requested by the consumer.  A violation of this law carries significant penalties.  While ScriptRelief cannot speak for other distributors of similar cards, it can categorically state that it does not collect any personally identifiable information of any individual who uses our cards.  For these reasons, we take seriously any accusation or implication that we engage in any fraudulent behavior.  We provide a completely free coupon card that offers real savings on prescription medication.  That’s it.  There’s no catch, truly.  Like we’ve said before—anyone in the U.S. can use these free cards to save money, though I’m sorry to hear you will not be one of them. Please feel free to contact me directly via email or telephone.  I've listed both below. Sincerely,[redacted]
[redacted]
[redacted]
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I continue to receive packages from this company to my home address.  Last package received 2 days ago.
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. [redacted], with Script Relief, was very courteous and very quick to help resolve the problem. Thanks again to [redacted]!!
Sincerely,
[redacted]

Hi Joan--Thank you for your email.  As way of background, ScriptRelief’s card, which is distributed free of charge, may be used...

by consumers to obtain discounts on pharmacy purchases or compare discounts to which they are entitled under other programs.  We even offer a card specifically endorsed by the City of New York which can be found at www.bigapplerx.com.   These cards provide real benefits to consumers who are uninsured, underinsured, or who even have prescription insurance. To be clear, consumers do not pay for the card, may use the card to either make purchases or simply compare prices with other benefits, and are under no obligation whatsoever to use the card. The card may be used or disposed of at the consumer’s discretion—just like a coupon.  Also just like a coupon, receipt of a card does not sign you up for anything, nor is any personal information tied to the card—it’s no different than a coupon you might receive in your Sunday paper for toothpaste.  If you don’t use the toothpaste coupon, you pay full price.  If you do use the toothpaste coupon, you save money---and no fraud is committed against you.  In fact, nothing else happens to you.  That is exactly how our cards and coupons operate as well.  If you don’t have insurance and you purchase a prescription medication with one of our cards, you save money—that’s it.  If you don’t have insurance and you don’t use one of our cards, you pay full price.  We take seriously any accusation or implication that our program is fraudulent or deceptive in any way.  If you know of any such occurrence, please let me know so that I may investigate immediately.  Here’s what we actually do---save people money.  Since 2011, we have saved more than 8.3 million cardholders over $880,000,000.  We see that as a pretty significant number.  The absolute worst thing that can happen by using our card is receiving a discount that isn’t as much as you had hoped.  Even so, that’s money a person wouldn’t have had otherwise, and I'm sorry you don't see any value in that.  There is a number of ways you could have been put on our mailing list--most commonly this happens when someone fills out a form online when searching for insurance products or making other healthcare inquiries. If you can reply back to me with the BIN/GRP/PCN/Authorization numbers located on the front of your card, I can get back to you with the exact source of your information.  In the meantime, per your request, I have removed your information from our database.  I have no record of you asking to be removed prior to this email to the Revdex.com--but if that is incorrect, please let me know the date on which you made your initial request so that I can investigate why that request was not honored.  Again, I’m very sorry about the experience you had with our cards and am happy to answer any additional questions you might have.  Feel free to email me directly at [email protected] thanks,Joe