Prescription Savings: How to Pay Less for Your Meds

Prescription costs add up fast. If you take one or more regular medicines, small changes can shave big money off your bills. Below are clear, practical steps you can start using today to cut what you pay, without risking your health.

Quick ways to save today

Ask for the generic first. Generic versions are the same active ingredient as brand-name drugs but usually cost much less — for example, ask for atorvastatin instead of Lipitor. Tell your prescriber or pharmacist you want the generic unless there’s a medical reason not to.

Use price comparison tools. Apps and sites like GoodRx and Blink Health show current cash prices at nearby pharmacies and often have printable coupons. Even if you have insurance, compare the cash price — sometimes it’s cheaper to pay directly with a coupon.

Try a 90-day supply for maintenance meds. Switching from a 30-day to a 90-day refill often reduces the per-month cost and lowers copays. Mail-order pharmacies tied to your insurer can offer extra savings on stable meds like blood pressure, cholesterol, or thyroid medicines.

Ask your pharmacist about samples, split tablets, or a lower-dose pill. Pharmacists can sometimes provide a short supply or advise if you can safely split a higher-dose tablet to save money. Always check with your doctor first before changing doses or splitting pills.

Bigger steps for bigger savings

Look for manufacturer coupons and patient assistance programs. Many drug makers offer savings cards or free/low-cost programs for people who qualify. If a drug is pricey, search the manufacturer’s site or ask your clinic’s social worker for help applying to assistance programs.

Consider therapeutic alternatives. If your prescription is expensive, ask your doctor whether a cheaper medicine in the same class would work. For many conditions there are multiple options that perform similarly but have big price gaps.

Check your insurance formulary and ask for prior authorization alternatives. Know which tier your drug sits in and whether a covered alternative exists. If your insurer denies coverage, your doctor can appeal or suggest a covered substitute.

Be cautious with online pharmacies. Some offer low prices, but not all are legit. Only use pharmacies that require a prescription and have clear contact info, positive reviews, and accreditation. Avoid sites that sell controlled drugs without a prescription.

If a drug is still unaffordable, talk to patient advocacy groups. For certain conditions (cancer, rare diseases, HIV), charities and foundations may provide grants or free medicines. Your clinic’s financial counselor can point you to these resources.

Want more tailored advice? Check GenMedicare’s guides on safe online pharmacies, discount programs, and alternatives to pricey brand-name drugs. Small steps—switching to a generic, using a coupon, or changing your refill plan—can add up to real savings every month.