How to save money on prescription drugs and healthcare

Throughout the country, times are tough. And if you have a family member on routine medication or an illness pop up unexpectedly it can really cut into an already tight budget.

One of the things that is being cut from many budgets is medication because the cost for those who are under-insured or uninsured can be too high to afford. People can’t afford to miss vital medication could cause greater hardship economically and physically. However, there are ways to cope with the outrageous cost of medication, no matter your situation.

Talk to your doctor about less expensive generic medications. Your doctor might be willing to try a less expensive medication that will serve the same purpose, and save you serious money. He may ask that you allow him to monitor you more closely until he is sure the drug works.

Use generics whenever possible. Most medications have a generic equivalent that is just as good if not better, and a fraction of the cost. Before you leave your doctor’s office make sure he has marked the prescription so that you may get generics.

Ask for samples of both short-term antibiotics and medications as well as routine medications. This can save you huge co-pays, especially for name brand medications. If you take a routine medication but see the doctor monthly, you should still ask for samples at your visits. The doctor may be able to provide you with samples until you get back on your feet.

Shop around with different drugstores. The cost of prescription medication is not universal. Many drugstores offer discounts if you change pharmacies. Some pharmacies will even accept their competitors’ coupons each time you fill a prescription. Not only will you save on medication but you will have the gift card to pay for other things your family needs.

Understand your insurance. Perhaps I should have listed this first, but knowing and understanding what your insurance will cover will help you and your doctor develop a plan that will meet your healthcare needs.

Use prescription assistance programs. Partnership for Prescription Assistance (PPARX.org ) is a wonderful resource for finding a prescription program and other patient assistance programs that help pay for the medical care needs of those who are not able to afford them.

FREE and discounted prescriptions. Check out stores that off free antibiotics or $4 prescriptions. In addition, Kroger, Target, and Walmart all currently have $4 generic prescriptions programs. The following have free prescriptions but conditions apply. Be sure to call around to see if any of your medications are on their lists.

FREE Clinics – If you lost your job or your health insurance after March 31, 2009, you are eligible to participate in Walgreen’s free Take Care Clinics. These free clinics are open from 11 a.m. to 3 p.m. Monday through Friday. The clinics will offer free treatment for respiratory problems, allergies, infections, skin conditions, and more. Spouses and children are also eligible for free services if they are uninsured.

Clearinghouses for multiple programs helping low-income persons or medicare recipients – The Maryland Medbank Program – helps you apply for these drug manufacture programs. NeedyMeds – nonprofit website that keeps a current list of drug manufacturer patient assistance programs. TogetherRX Access - a joint website sponsored by several drug manufacturers that offers a discount card for qualified individuals and families without prescription drug coverage

Knowing where to look and knowing what is available often is what stands between people and proper medical care. There is no shame in asking your doctor for samples or for applying for help when you cannot afford to pay anything. Don’t put your health at risk. Find out where and how you can get the supplies and medications you require.

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