Prescription discounts: Smart ways to cut your medicine bills

Prescription prices can feel out of control. One refill can be the difference between paying rent or skipping doses. You don’t need to accept that. With a few simple moves you can cut what you pay for meds without risking your health.

Top ways to save on prescriptions

Ask for a generic. Generic drugs contain the same active ingredient as brand names but cost a fraction. Tell your doctor or pharmacist you’re open to generics and they’ll usually suggest one when appropriate.

Use discount cards and apps. Tools like pharmacy discount cards, coupon sites, and price-check apps can drop your out‑of‑pocket cost instantly. Compare the discounted cash price to your insurance copay—sometimes the card is cheaper.

Buy 90-day supplies. Many pharmacies give a lower unit price for a three‑month supply. It’s a small change in routine that often saves you money and fewer trips to the pharmacy.

Check mail-order and pharmacy chains. Some online and chain pharmacies offer lower prices or free shipping for maintenance meds. But always verify the pharmacy is licensed and has a real pharmacist available.

Look for manufacturer coupons and PAPs. Drug makers often run coupons, starter programs, or patient assistance programs (PAPs) for people who qualify. These can significantly lower costs for specific drugs, especially newer brand-name medicines.

Talk to your prescriber. Ask if there’s a cheaper alternative, a lower dose that works, or a therapeutic substitute. Sometimes switching to a different drug in the same class cuts costs with similar results.

Safe buying and red flags

Be careful buying from overseas or unknown sites. International pharmacies can be cheaper, but verify they require a valid prescription and are licensed. Look for verified seals, real contact info, and clear shipping policies.

Avoid offers that seem too good. Prices that are far below market, no-prescription sales for controlled meds, or sellers that won’t provide a pharmacist’s contact are red flags. Your safety matters more than a small discount.

Compare cash vs insurance. For some meds your insurance copay can be higher than the cash price with a coupon. Run the numbers before you choose which route to take.

Use your pharmacist as a resource. Pharmacists can recommend cheaper generics, point out pill-splitting opportunities if safe, and tell you about store loyalty programs or upcoming discounts.

Small changes add up. Switching to a generic, using a coupon app, or asking for a 90‑day supply can reduce yearly drug costs by hundreds. Start with one tip, see the savings, and then try another. Your health and your wallet will thank you.