How to Save on Prescription Medications

1. Always Ask for the Generic Version

Generic medications contain the same active ingredients as their brand-name counterparts and are approved by the FDA to be just as safe and effective. Generics typically cost 30% to 80% less than brand-name drugs. When your doctor writes a prescription, ask if a generic version is available.

2. Compare Prices at Multiple Pharmacies

Medication prices can vary dramatically between pharmacies — sometimes by $50 or more for the same drug. Use our price comparison tools to check prices at pharmacies near you before filling your prescription. Don't assume your regular pharmacy has the best price.

3. Look Into $4 Generic Programs

Major retailers like Walmart, Costco, and Kroger offer programs where common generic medications cost just $4 for a 30-day supply or $10 for a 90-day supply. Ask your pharmacist if your medication is on their discount list.

4. Use Prescription Discount Cards and Coupons

Free prescription discount cards can save you up to 80% on medications. These work even if you have insurance and can sometimes offer a lower price than your copay. Check with your pharmacist to see which discount gives you the best price.

5. Ask About 90-Day Supplies

If you take a medication regularly, getting a 90-day supply is almost always cheaper per pill than a 30-day supply. Many pharmacies and mail-order services offer significant discounts for larger quantities. This also means fewer trips to the pharmacy.

6. Check Manufacturer Patient Assistance Programs

Many drug manufacturers offer free or reduced-cost medications to people who qualify based on income. These Patient Assistance Programs (PAPs) can provide brand-name medications at no cost. Check the manufacturer's website or ask your doctor's office for help applying.

7. Review Your Medicare Part D Plan Annually

If you're on Medicare, review your Part D plan during open enrollment every year. Plans change their formularies (covered drug lists) and pricing annually. Switching plans could save you hundreds of dollars per year. Use Medicare.gov's Plan Finder tool to compare options.

8. Ask Your Doctor About Therapeutic Alternatives

Sometimes a different medication in the same drug class can be much cheaper while being equally effective for your condition. Talk to your doctor about whether a less expensive alternative might work for you.

9. Don't Split Pills Without Asking First

Some medications can be prescribed at double the dosage and split in half to save money (since higher doses often cost the same as lower doses). However, not all pills can be safely split. Always ask your doctor and pharmacist before splitting any medication.

10. Look Into State Pharmaceutical Assistance Programs

Many states offer pharmaceutical assistance programs (SPAPs) that help residents afford their medications. These programs often help people who don't qualify for Medicaid but still struggle with drug costs. Contact your state's health department to learn about available programs.