Helpful Ways to Save on Your Medications
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Taking prescription medications is an important part of managing your health. We understand that out-of-pocket prescription costs may make it difficult to afford your medications.
Financial Assistance Resources
If you are having trouble paying for your medications, there are resources available to help. The following websites have information on programs that may be able to offer assistance:
If you have Medicare Part D, check with your local social security or social services offices to see if you qualify for government-sponsored assistance programs such as low income subsidy or extra help.
Consider Generic Medications
Generic medications are typically less expensive than name-brand medications. Be sure to discuss with your doctor whether the generic version of a medication would be right for you.
Check Your Medication Formulary
Insurance companies, including Medicare, keep a list of the medicines they cover, which is called a formulary. Your insurance company can provide you with information that explains which medications are on the formulary and what portion of the cost you will be expected to pay. Bring the formulary list with you to your doctors’ appointments to see if your prescribed medication is on the list or if there are appropriate alternatives that cost less.
Some other ways you may be able to save on medication costs include:
Remember to always speak with your doctor, pharmacist or other healthcare team member about any concerns you have regarding your medications. Together, we can come up with the best plan for the most cost-effective way of getting and staying on your prescription medications.
- Check with your insurance company to find out which pharmacies are preferred/in-network
- Check with the drug manufacturer for cost-savings programs on their prescription medications
- If you are insured through your employer, check to see if they offer a healthcare spending account (HSA) benefit, which can help cover out-of-pocket costs for medications or other health care services
- Compare prescription costs at more than one pharmacy
- If you will be taking the same dose and strength of a medication for three to six months, consider using mail order for your prescriptions. Some insurance companies will charge you less if you use a mail order pharmacy.
- Check for pharmacy membership programs that offer discounts on medications