Is it permissible to use the pharmacy's free points to purchase medications not covered by insurance, or must they only be used to reduce the insurance bill?

There appears to be no impediment to benefiting from the discount card for medicines, whether they are insurance-covered medicines or others. The fact that the employer undertakes to pay for insurance-covered medicines does not prevent one from utilizing the card to obtain other medicines. If medicine is obtained free of charge, it is not permissible to claim the price from the employer; rather, only what was paid to the pharmacy should be claimed.