Prescription Savings Guide

A single refill can vary by hundreds of dollars between pharmacies, but you can cut costs with smart moves. First, always ask about generic options. Generic drugs contain the same active ingredients as brand names and usually cost a fraction. If your prescription has a generic, ask your doctor or pharmacist to switch.

Second, compare prices before you buy. Use price comparison apps or pharmacy websites to check cash prices. Apps can show coupons and local deals that cut prices dramatically. Don’t assume your insurance gives the best rate—sometimes cash prices beat copays.

Third, use manufacturer coupons and discount cards. Many drug makers offer patient savings cards for chronic medications. Print the card or load it in your phone before you go to the pharmacy. Also try national discount programs and store cards at big chains.

Fourth, consider mail-order or 90 day supplies. Ordering a three month supply often lowers the per dose price and saves on copays. Mail-order pharmacies can be cheaper for maintenance meds, and many offer free shipping.

Fifth, check patient assistance programs and local clinics. If you qualify, manufacturer assistance and nonprofit programs can provide free or low cost medicines. Community health centers and hospital pharmacies sometimes have sliding scale options.

Sixth, split higher dose pills when safe. For some meds, buying a higher dose and splitting pills halves your cost per pill. Talk to your doctor to confirm a medication is safe to split and use a pill cutter for accurate dosing.

Seventh, shop abroad or cross-border pharmacies carefully. Prices in other countries can be much lower, but verify legality and safety. Choose licensed international pharmacies with good reviews and proper packaging.

Eighth, talk to your prescriber about therapeutic alternatives. If a drug is expensive, ask if a cheaper but similar medicine will work. Doctors can often suggest equally effective options that cost less.

Ninth, use coupons and price matching at local stores. Some pharmacies match competitors’ prices. Bring proof of the lower price and ask them to match or beat it.

Finally, keep a medication list and track refill dates. Avoid emergency refills that force you into costly options. Planning ahead gives you time to compare prices, request samples, or seek financial help.

These tactics work best when combined. Start by asking for generics and checking an app. If you need help, reach out to your pharmacist—they often know immediate ways to reduce costs. Saving on prescriptions takes a few extra minutes but can cut your yearly drug bill significantly.

Also check for rebates and state programs. Some states run discount programs or have drug cabinets at community centers. Review your Medicare Part D plan each year during open enrollment — changing plans can save hundreds if your meds move to a lower tier. Keep coupons from drug manufacturers and ask your doctor for free samples when starting a new medication. Small changes add up quickly and make meds affordable. Track prices and update your strategy every few months. Save money now.