INSIDE: Are you looking for simple tips on how to save money on prescription drugs even if you don’t have health insurance? May I help you!
It seems that every time you get your prescription filled out, the price goes up.
Even if you have insurance, you probably spend more time getting your medicine these days. But that doesn’t mean you can’t save or find money on prescriptions cheap prescription drugs – even if you do not have insurance coverage.
A Study of the Centers for Medicare and Medicaid Services predicts that drug costs will increase more than 6% per year through 2025. If you are on a budget, increasing the cost of your medication can be a burden.
And unfortunately, many Americans are forced to choose between buying prescription drugs and paying for groceries and having a roof over their heads.
This should not be like that. And luckily it doesn’t have to be. A few money saving tips can save you the drugs you need. Here are some easy ways to pay less for prescription drugs.
1. SAVE MONEY ON GENERIC MEDICINAL PRESCRIPTIONS
Many drugs have a cheaper generic alternative. Generics sell up to 80% less than their branded products.
Some people think that generics mean lower quality. But generics have to do the same strict FDA requirements as branded drugs. They are just as effective as the more expensive ones.
Ask your pharmacist if there is a generic you can use – and of course, have your doctor do it before switching.
2. RECEIVE 90 DAYS DELIVERY OF PRESCRIPTION MEDICINES
If you take a prescription drug regularly, you will likely refill it once a month. But if you get a 90 day prescription for maintenance medication, at a Mail order pharmacy or retail store, you may pay less in the long run.
For example, Walmart has expanded its $ 4 prescription program to include 90-day supplies of select maintenance drugs for $ 10.
Not only does this keep more money in your pocket, but it also eliminates the need to make as many visits to your local pharmacy to refill your medication.
3. SIGN UP FOR A RECIPE DISCOUNT CARD
If you are over 50 you can take advantage of this AARP perks, including discounts on prescription drugs. While you have to pay to join AARP, you can get free discount cards from other sources.
One program that offers a free prescription drug discount card is there GoodRx. A simple online search for the medication you need will reveal prices in pharmacies near you with savings of up to 80%.
Sometimes insured patients pay even less with the app than with their insurance card.
Another free recipe discount program is the FamilyWize card. It offers an average saving of around 40% per recipe. The card is available to people across the country, regardless of whether they have health insurance or not.
4. VISIT THE DRUGMAKER’S WEBSITE
Sometimes drug manufacturers put savings offers on their websites. Just look for the medication you need.
Some pharmaceutical companies even offer patient assistance programs. If your family makes less than a certain amount of money each year, you can qualify for cheaper medication.
5. Look at another store
Before taking your prescription to your local pharmacy, find a comparison shop on a website such as GoodRxshowing you the costs in different stores.
6. PAY WITH CASH
Believe it or not, your insurance company may not offer you the best price. Sometimes cash customers pay a lower price than those using their insurance. Ask your pharmacist about the price difference between cash and insurance.
7. USE A STORE DISCOUNT PROGRAM
People who work in drug stores know that drugs can be expensive. So it is worth checking with your pharmacist about programs and services that may be available to help lower your costs.
For example, Walgreens offers a Prescription Savings Club You can join for free. Get immediate discounts on more than 8,000 drugs.
CVS Caremark offers a reduced prescription savings program for selected drugs.
The largest pharmacies also have programs that allow you to earn points for your purchases and these points are converted into savings.
While points won’t save you on your prescription drugs at the cash register, it can also save you on other things that you might need, like toothpaste and shampoo. That can free up money to cover your expensive medication.
8. Talk to your doctor about the high cost of your medicine
Unfortunately, given the rising cost of prescriptions, many people choose not to fill them up. You just can’t afford it. If you find yourself in this situation, be sure to speak to your doctor. He or she may be able to prescribe a cheaper alternative or even give you samples.
In addition, you may find that you had to take two Medication before now you can take one. It is important to tell your doctor about any medications you are taking.
Not only does this ensure that you are not prescribed anything that conflicts with your current medications, but your doctor can also make sure that you are not ingesting anything that you no longer need.