What ArrayRx is
ArrayRx is a multistate prescription discount program that the Oregon Health Authority takes part in with other states. Its discount card:
- Is open to anyone living in Oregon, Washington, Arizona, Connecticut or Nevada, with no membership fees, age or income limits, and no drug list.
- Gives a discount at participating pharmacies. The program says savings can be large on some drugs, but the price depends on the drug and the pharmacy.
- Requires you to pay the discounted price yourself at the pharmacy.
How it fits with Medicare
| Situation | What happens |
|---|---|
| A drug your Part D plan covers | Use your plan. You can't combine ArrayRx with Part D on the same purchase, and paying with ArrayRx instead means that spending doesn't count toward your plan's deductible or the Part D cap ($2,100 in 2026). |
| A drug your plan doesn't cover | You can use ArrayRx instead of your plan. Also ask your prescriber about a covered alternative or a coverage exception. |
| No Medicare drug coverage | You can use ArrayRx, but it isn't creditable coverage, so a Part D late penalty can build up. |
| Medicare Advantage plan with drug coverage | Same rules as a Part D plan. |
ArrayRx's terms say the card may not be used with federal or state-funded health programs. That's why it works only instead of your Medicare coverage, not alongside it, on a given fill.
Comparing prices at the counter
- Ask for both prices. Ask the pharmacist what you'd pay through your Part D plan and with ArrayRx.
- Think about the whole year. If you're likely to reach your plan's deductible or the yearly cap, a slightly higher plan price may be better because it counts toward those limits.
- Keep your Part D plan. A discount card helps with some drugs; it doesn't protect you if you need costly drugs later.
Other ways to lower drug costs
Extra Help lowers Part D premiums and copays for people with limited income. The Medicare Prescription Payment Plan spreads costs over the year. During Open Enrollment (through December 7), compare plans: Oregon has 8 standalone Part D plans for 2027. You can check your drugs at PlanMatch or request a call from a licensed insurance agent.
Related questions
What is the Part D out-of-pocket cap for 2027?
Why counting toward the cap matters.
What is the Medicare Prescription Payment Plan?
Paying drug costs monthly.
How much is insulin with Medicare?
The monthly insulin limit.
Sources
- Oregon Health Authority — ArrayRx Solutions
- Oregon Health Authority — ArrayRx discount card
- ArrayRx — Discount card terms and enrollment
- Medicare.gov — What Medicare drug plans cover
- Medicare.gov — Avoid late enrollment penalties
More questions in this guide
- How much is insulin with Medicare in Oregon?
- Does Medicare cover Ozempic, Wegovy, or other weight-loss drugs in Oregon?
- What is the Medicare Prescription Payment Plan?
- Is there still a Medicare Part D donut hole in 2026?
- What is the Medicare Part D out-of-pocket cap for 2027?
Part of the guide: Medicare Part D in Oregon — 2027 drug coverage · All questions
Frequently asked questions
Does ArrayRx replace a Medicare drug plan?
No. ArrayRx says it is not insurance or a Medicare prescription drug plan. Dropping Part D without other creditable drug coverage can lead to a late enrollment penalty if you join a plan later.
How do I sign up for ArrayRx?
Online at arrayrxcard.com (Spanish at arrayrxcard.com/es) or by phone at 1-800-913-4146, 7:30 a.m. to 5:30 p.m. Pacific, Monday through Friday. There's no membership fee.
Which states take ArrayRx?
The card is available to people living in Arizona, Connecticut, Nevada, Oregon and Washington, at participating pharmacies.
Medicare in your Oregon county
Plans, local agents and help, county by county: Multnomah · Washington · Clackamas · Lane · Marion · Jackson · Deschutes · Linn · Douglas · Yamhill · Benton · Polk · Josephine · Umatilla · Klamath · Coos · Columbia · Lincoln · Clatsop · Malheur · All 36 counties →
