Top 10 Tips To Save On Your Drug Prescriptions
Maintaining a healthy personal finance is not very easy as you may think if certain precautions were not taken to check cash leaks in form of unnecessary or careless spending. If you cannot afford medical insurance, getting sick can be a costly business as the cost of prescription may seem to skyrocket each time you need to have them filled.
This article provides top 10 ways you can save money on your drug prescriptions, which of course might require your personal efforts to achieve.
Splitting Higher-Dose Pills
Much as there is little difference in price when it comes to different dosage of pills, a 50mg pill could cost almost the same price as the same medication in a 25mg dosage. You will need to find out from your pharmacist if the medication you are using comes in different dosage sizes and if it is safe to split the larger-dose pills. You should know that some pills are not safe to split, but your pharmacist would be able to give you expert advice on which ones could be splitted.
Request For Samples From Your Doctor
You will do yourself more good if you ask your doctor if he or she has any free samples before paying for a full course of a particular medicine. This is because many people have allergic reactions to medications every year. The free samples would afford you the opportunity to assess the drug thoroughly before committing your money.
Keep A Healthy Weight And Lifestyle
Diabetes and high blood pressure are both linked to obesity which requires a lifelong commitment to prescription medications to manage them. You may reduce the incidence of diabetes, high blood pressure and obesity by keeping fit and healthy and therefore save money on avoidable diseases.
You Can Search For Coupons
It has been established that some magazines, newspapers and certain websites offer prescription-related coupons on various medicines and treatments. Two well known websites that offer medicine coupons are internetdrugcoupons.com and NeedyMeds.org
It is interesting to note that certain manufacturers offer free, 30 day trial packs of their medicines. You can also ask for any available coupons for your particular prescription drugs at your doctor’s office since he or she will be willing to give you necessary information naturally.
Access Patient Assistance Programs
Findings revealed that some pharmaceutical companies have put Patient Assistance Programs(PAP) in place for those who earn below a certain wage or who simply could not afford medical insurance.
PAPs usually include assistance in the form of savings cards, assistance with co-payments or levies and coupons that could be redeemed against the price of certain medications.
It is your gross responsibility to look out for such pharmaceutical companies.
Ask For A Discount
Shopping around not only afford you the opportunity to get discounts on your purchases but also let you know that prices differ from one store to the other. You can purchase some medications from supermarkets through mail order and at a variety of retail pharmacies. If you notice that a particular store has all but one of your prescription medications at a cheaper price, you may ask if it is possible to get a discount on the more expensive item.
Open Up To Your Doctor
You can let your doctor know if you cannot afford any of the medications prescribed as he or she often will be willing to prescribe alternative medications affordable to you thereby saving you money.
Fill Your Prescriptions At One Pharmacy
You will save both time and gas money if you fill all of your prescriptions at one pharmacy. You should be careful in the choice of a pharmacist in the event you develop allergies to or unpleasant side effects from any of your medications.
Check Your Formulary
You can help reduce co-payments by checking your formulary as most medical insurance companies will cover the cost of only specific medications for some conditions as stipulated in their formulary. To avoid higher co-payments, check your prescription against the formulary and ask your doctor to prescribe an alternative medication that is on the list.
Consider Generic Options
It has been established that many brand name medications have generic substitutes which are required by law to contain exactly the same ingredients as the brand name versions.
When you receive a prescription from your doctor for medication, you can ask about available generic alternatives as you could end up saving 80% on the cost of your prescription.