AptKeysBody · Paying for care
Paying less for prescriptions
Ask for the generic, check if it's on your plan's drug list, and compare prices at a few pharmacies, since the same drug can cost very different amounts. Long-term medicine? Ask about a 90-day supply. Online, buy only from a licensed U.S. pharmacy.
You'll need
- The exact drug name, strength and how many you take
- Your insurance card, if you have one
- A few nearby pharmacies' phone numbers
What to know
- Ask for the generic. An FDA-approved generic works the same way and has the same benefits and risks as the brand name. Generics typically cost 80 to 85% less, according to FDA estimates.
- No generic? Ask your provider if there's a similar, cheaper medicine that treats the same thing.
- Check your plan's drug list (formulary), which shows the drugs your plan covers. If your drug isn't on it, ask your doctor about one that is.
- Compare pharmacies. Prices for the same drug can differ a lot from one pharmacy to the next. Michigan's consumer protection office found differences of as much as $500. Call two or three and ask for the price, with and without insurance.
- Taking it every month? Ask about mail order. You can often get a 90-day supply and may pay a lower copay. Check with your plan first.
- Still can't afford it? Ask the drug company about its patient assistance program. NeedyMeds and RxAssist can help you find one.
- Talk to your pharmacist. They can recommend ways to save and check that your medicines are safe together.
Watch out Fake online pharmacies sell dangerous pills. A safe one always requires a prescription, lists a U.S. address and phone number, has a licensed pharmacist to answer questions and is licensed by a state board of pharmacy. Much cheaper prices than usual, prices in a foreign currency, or no prescription needed are red flags.
Dad note Never assume the first price is the price. Ask for the generic, then make two phone calls. It's the easiest money you'll save all year.