Coupons and generics: 10 ways to save on drugs in the US
Whether or not you have health insurance, there are many ways to keep your prescription drug costs down. The publication told about this in more detail. Money Talks News.
Whether you need to write a prescription right away for a sudden flu or are taking medication for a chronic illness, you can find ways to save on prescriptions anyway. Here are some tips to help you keep your prescription drug costs down.
1. Compare prices
It might take a few phone calls, but do it. Call pharmacies in your supermarket, retail stores (such as Target and Walmart), drug stores, and warehouse clubs.
Ask your doctor to either delay revoking your prescription until you know which pharmacy has the best price, or ask your doctor for a paper prescription that you can take to your chosen pharmacy.
2. Choose a generic
Always ask your doctor if a generic drug will work and also find out the name. According to the US Food and Drug Administration (FDA), generics cost an average of 85% less than brand name drugs.
With or without insurance, you always pay less for generics. Many pharmacies offer discounts on a 30- or 90-day supply of drugs.
3. No membership - no problem
Consider a warehouse club. Many people don't realize that you don't have to be a member of Sam's Club, Costco, or BJ's Warehouse to use the pharmacy in these stores.
So add these stores to your list. Quite often, this ability to buy wholesale also extends to the pharmacy, and you can save a lot. When you go to get your medicine or prescription, just tell the person at the entrance who checks your membership cards that you are heading to the pharmacy.
4. Membership can be beneficial
If you are a member of the club, ask for prescription discounts. Sam's Club has expanded its Prescription Savings Program for Plus and Business Plus members. Five generics are available in specific quantities for free in 35 states.
These include donepezil (generic Aricept), vitamin D 50 IU, pioglitazone (generic Aktos), finasteride (generic Proscar), and escitalopram (generic Lexapro).
In addition, over 200 generics are available for $ 4 and over 400 for $ 10.
5. Join loyalty programs
This is not insurance, but a prescription discount program, but it can significantly reduce costs at the pharmacy.
Albertson's, Sav-on and Osco offer service myRxCare... Club Membership Walgreens costs $ 20 per year for individuals and $ 35 per year for a family. CVS CarePass costs $ 5 per month or $ 48 per year and offers benefits such as day-to-order drug delivery.
Program discounts are not cumulative with insurance. But you can use your prescription drug discount program if your coverage is limited.
In addition, prescriptions from these programs do not count towards your insurance deductible.
6. Talk to your doctor
Talking frankly with your doctor is the most important thing you can do if you need help paying for your prescription drugs. If your doctor knows money is a problem, he or she can give you some free samples of drugs.
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In addition, your doctor may change your medication for a cheaper, but just as effective, drug.
7. Consider mail order
Mail order pharmacies can provide you with a 90-day supply at a bargain price.
While your doctor will need to change your prescription from 30 days to 90 days, most mail order pharmacies will contact the doctor on your behalf to get things up and running and allow restocking.
8. Use coupons
9. Seek help from private groups
10. Find out if your state has an assistance program
Many states offer financial support to people who cannot afford prescription drugs. Among others, it has State Pharmaceutical Assistance Program.
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