Español

Pharmacy tips

12 ways to pay less at the pharmacy

Small questions at the counter can save real money. Start with the first three.

  1. Ask for the cash price

    Sometimes the cash price, especially for generics, is lower than your insurance copay. Ask the pharmacist to check both.

  2. Ask for the generic or biosimilar

    They have the same active ingredient and work the same way, and they usually cost far less. See which drugs have one.

  3. Compare pharmacies

    The same drug can cost very different amounts at pharmacies a mile apart. Call around or check a discount card’s price list.

  4. Get a 90-day supply

    Many plans charge less per dose for a 90-day supply, especially by mail order.

  5. Use your plan’s preferred pharmacy

    Many Medicare drug plans have lower copays at preferred pharmacies. Check your plan’s pharmacy list.

  6. Check cash-price sites for generics

    Cost Plus Drugs and TrumpRx.gov list low cash prices for many generics.

  7. Look for a $35 program

    Insulin and many inhalers are capped at $35 a month. See our insulin and inhaler guides.

  8. Use a copay card if you have private insurance

    Most brand drugs have one on their official website. They can’t be used with Medicare or Medicaid.

  9. Ask your doctor about cheaper alternatives

    There may be a similar drug your plan covers for less. Use our letter to ask.

  10. Ask about a medication review

    Many Medicare drug plans offer a free review with a pharmacist if you take several medications. It can find duplicates and cheaper options.

  11. Get your vaccines free

    Recommended vaccines like Shingrix cost $0 on Medicare Part D and most private plans.

  12. Never ration your medication

    Skipping doses to save money can be dangerous. Tell your doctor, and use the help on this site instead. Build your savings plan.

Common questions

Is the cash price ever cheaper than my insurance copay?

Sometimes, especially for generics. Ask the pharmacist to compare. Cash purchases usually don’t count toward your deductible, so weigh that too.

Is it safe to split pills to save money?

Only if your doctor and pharmacist say it’s safe for that specific drug. Many pills, like extended-release tablets, must not be split.