Published: Aug 05, 2013 5:31 PM EDT
Updated: Aug 05, 2013 6:45 PM EDT

NAPLES, Fla. - It's not insurance, but a pharamcy discount card and we put it to the test.

Steve Shaffor, a pharmacist at Gulf Shore Apothecary, has a warning for his customers who try using a discount card.

"Those cards really aren't worth anything. If you don't pay for them, believe me they're not worth it," said Shaffor.

This card, from RX Relief, is Healthcare Alliance. The company says using this card will save you between 50 and 75 percent on prescriptions. The Better Business Bureau reminds people to do their research before using cards like this. In the last three years, the BBB has received 20 complaints against the company.

"And it looks like that better business bureau did an advertising review and the business has responded and the case has been closed as substantiated," said Brian Oglesby.

But Shaffor said it's not worth it for the patient because the company is the one deciding the price based on the average wholesale price or AWP.

"They pulled it out of a national databank, and thats what they came up with."

So we wanted to see it in action, running the card to purchase the generic version of Lipitor, cholesterol medication.

"When we ran your card it showed the AWP was 400 and some dollars on that drug. This company decides what they're going to charge you, and what they ended up charging you was $340-something and out of the $340, we supposedly would pay them $30, we charge you a co-pay of $310, lets say."

Shafford said the price actually plummets if you don't have insurance.

"Without any insurance or anything, it would probably be about 39 dollars. So, where's the savings to the patient? If we were to take that card, we'd take your money and make $300-some and the company made 30, that's just outright theft."

We reached out to the company for comment. We also called local pharmacies. Both CVS and Walmart said they accept the card, but Walmart said they're prices are better than what the card offers.