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How to Save Money on Prescription Drugs

Published: October 14, 2015

You thought it was the common cold, but found out that its accompanying sore throat was actually strep. So, your doctor handed you a prescription for Amoxicillin. Or your dentist prescribed Percocet after you had your wisdom teeth out. What you quickly discovered in both cases was that prescription drugs cost money –and a lot. If only there was a way to save on Prescription Drugs.

There is!

Here are 8 ways. Can you think of others?

Be honest with your doctor. Your doctors’ priority is getting you well. They’re very interested in your diagnosis and treatment, but may not even understand that your finances could impact your ability to pay for the medicines they prescribe. Let them know that cost is an important factor. They may be able to provide you with alternative medications, treatments and options.

Ask for samples. What’s better than free? Free samples won’t just save you money; they’ll also give you a chance to try out a medication to ensure that it’s both effective and safe for you. Sometimes people spend a whole lot of money on medicine only to find that it makes them even sicker than they were. If you’ve ever had a bad reaction to a medication, you know how frustrating—and expensive—this can be.

Choose generic. Generic drugs can have the same active ingredients as their named-brand counterpart but often cost considerably less. Whenever your physician prescribes, ask them about generics. Some medications do not have generic alternatives and not all generics are an easy substitute, but it’s always worth asking.

Opt for over-the-counter. Some illnesses and ailments can be treated with much less expensive over-the-counter medications. Ask your doctor. Just be aware that over-the-counter meds are not covered by insurance so you’ll have to weigh your out-of-pocket expenditures to see which method and medication is most affordable for you.

Double dose and divide. You can double the dose of some medications without doubling the price. Ask your doctor for a double dose of pills that are scored for splitting and then take half a pill. You can get the dosage your doctor wants you to have at a discount.

Shop around. Different pharmacies can charge different prices for the exact same medication. You may also be able to find discounted pricing by shopping online. And pharmaceutical companies often offer coupons and discounts on their branded medications at different times throughout the year. Before you buy, take some time to shop; it could save you money.

Examine your insurance formulary. Your formulary is a list of medications that your insurance covers. By understanding the deductible you’re charged for various drugs, you can choose a treatment that’s both effective and affordable. Ask your doctor for more than one drug option and then compare those medications against your formulary.

Stay healthy. One of the very best ways to save money on prescription medications is to use fewer of them! Eat well, get plenty of exercise and maintain a healthy lifestyle and you could avoid many medications and their expense.

At Charter College, we know that staying healthy is all about balance. You need to find time and energy for school, work, family and a little fun. If you’re looking for career training that will fit into even your busy lifestyle, check out our on-campus, online and blended learning programs today.