How-to
How to Save Money on Prescription Drugs
🇩🇪 Diesen Artikel auf Deutsch lesenAsk your doctor about generic or lower-cost alternatives, compare pharmacy prices including discount programs, consider 90-day supplies or mail-order, and check your insurance formulary. Never stop or switch medications without talking to your doctor or pharmacist.
The same prescription can cost very different amounts depending on the pharmacy, your insurance and whether a generic is available.
Step by step
- Ask about generics
Generic drugs contain the same active ingredient and are usually much cheaper. Ask your doctor whether a generic or therapeutic alternative fits your needs.
- Check your plan's formulary
Your insurance list of covered drugs shows which tier — and copay — applies. Lower-tier alternatives may exist.
- Compare pharmacy prices
Prices can differ significantly between pharmacies. Discount card programs and price comparison tools show local prices.
- Consider a 90-day supply
For long-term medications, 90-day fills or mail-order pharmacies are often cheaper per dose.
- Look into assistance programs
Manufacturers and nonprofits offer assistance for eligible patients, especially for expensive brand-name drugs.
- Review Medicare options yearly
If you have Medicare, compare Part D plans during open enrollment, as covered drugs and costs change.
Options at a glance
| Option | Best for |
|---|---|
| Generic drugs | Most common medications |
| Discount programs and coupons | Uninsured or high-deductible plans |
| 90-day or mail-order supply | Long-term medications |
| Manufacturer assistance programs | Expensive brand-name drugs |
Frequently asked questions
Are generic drugs as effective as brand names?
FDA-approved generics must have the same active ingredient, strength and dosage form and work the same way in the body.
Can I use a discount card with insurance?
Usually you choose one or the other for a purchase. Your pharmacist can tell you which is cheaper, but discount purchases may not count toward your deductible.