It is hardly a secret that many prescription drugs in the United States are incredibly expensive.
In fact, on average, Americans spend roughly $1200 on prescription medication each year.
Are you wondering if you could be saving on prescriptions?
Let’s take a look at what you need to know about how to save money on prescriptions.
Ask About Generic Options
One way to keep your medication costs down is to ask whether there are generic versions of the same brand name drug you are being prescribed by your doctor. Generic versions of these medications will be available in the same quantity and contain the same active ingredients.
You can ask your pharmacist about generic alternatives. You can also talk to your doctor about prescribing you generic versions for medication rather than brand-name versions.
Compare Prices Between Pharmacies
It’s reasonable to assume the medication will cost the same everywhere. But this is simply not the case.
It can be a good way to save money on prescriptions to call different pharmacies and compare their prices before filling a prescription. You might also want to call grocery stores and big-box retailers like Walmart, Costco, and Target, along with smaller independent pharmacies.
Buy in Bulk
If you are going to be taking a certain medicine for at least three months, I can make sense to get a larger supply. Doctors will often prescribe 30 days supplies. You can instead ask them to write a 90 day supply subscription.
You typically can save money when you are buying more of the medication at once. You can also help you save money because you won’t have to pay a co-pay each time.
Use a Discount Savings Program
There are services you can find online that have instant savings and discount coupon for prescription medication. Bill help you to see how much the medication costs at different nearby pharmacies. You can sometimes also receive a discount prescription card.
Use a Mail Order Pharmacy
You can sometimes find cheap medication online. This is because mail-order pharmacies don’t have as many overhead costs as a local independent pharmacy. For this reason, they are able to sell the same medications at a lower price.
You can check in with your health insurance provider and find out whether they have any existing partnerships and relationships with the mail-order pharmacy. If they do, you can talk to your doctor and have them send your prescription right to the company. Your prescriptions will then be delivered to you through the mail.
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Look For Coupons
You will find that some pharmacies offer coupons in order to encourage people to fill their prescriptions there.
You also might find that drug manufacturers sometimes offer coupons. Usually, these coupons are for individuals that meet certain qualifications, such as being insured or providing certain medical information.
It is most common for these coupons to be provided by drug manufacturers when the drug is new. When a drug is first out on the market it tends to be expensive and there is not yet a generic form.
Apply For Financial Assistance
Your local or state government might offer prescription drug assistance. Some of these impose income restrictions but the requirement between programs will vary.
There are also some stores that offer prescription drug programs. You can contact local pharmacies to ask if they have such programs. Medications for diabetes, high blood pressure, and antibiotics are among the drugs that people might be able to receive for free through these programs.
Try a Different Medication
If you are having a difficult time affording the medication you’ve been prescribed, it’s possible that there is a less expensive medication that would also work for you.
Most doctors understand that some medications are quite expensive. You can talk to your doctor about whether there are other prescription options that would be less expensive for you.
Make Sure You Still Need the Medication
It’s possible that you no longer need to take a medication that you spend taking for years. It is also possible that you could make lifestyle changes that make it possible for you to stop taking a medicine that you had been taking daily. You’ll want to talk to your doctor about whether or not you still need the medication.
Use an App
There are a number of apps that can help you to compare the prices of medications between pharmacies. Many of these are free services that you can use on both your desktop and your mobile phone. This means that you don’t have to waste time making tons of phone calls or pharmacy visits.
You’ll also find that some of these offer coupons that can help to lower the cost of your medication even more.
Always Compare the Cost of Medication Vs. Your Insurance
Another important point if you’re wondering how to save on prescriptions is to never assume that your health insurance is cheaper. Just because your health insurance includes coverage for prescription drugs, but does not mean that buying medication. Insurance is necessarily cheaper. It occasionally happens that is cheaper to buy a certain drug out-of-pocket rather than a co-pay.
Before you purchase your medication using insurance, ask them how much it cost without the aid of insurance. You might find that sometimes it is cheaper to simply by the medication yourself.
Saving on Prescriptions: It’s Possible!
Buying prescription medication can be expensive. That being said, if you’re willing to do a little homework, it is possible to save quite a bit of money on prescription medication.
Did you find this article on saving on prescriptions interesting? If so, be sure to check out the rest of our blog for some more fascinating and informative content!