An Insider’s Guide To Cut Costs on Prescription Drugs

Kmart also offers prescription clubs.

3. Talk To Your Doctor (for real)

We saved the best for last! That’s right, use your doctor as a resource. Be vocal with your doctor about any financial issues you may have, and be sure to try one or more of the following five things at your next office visit:

– Ask your doctor for free samples or coupons. Doctors usually have samples and coupons given to them by drug reps. It doesn’t hurt to try a free sample pack before filling a pricey prescription to make sure this drug will work for you.

– Ask your doctor for a 90-day supply. This gives you one copay every three months instead of one every month.

– Ask about mail order. If your drug plan has a mail-order option, you may be able to get the 90-day supply of medications at an even lower cost.

– Ask about pill-splitting. Your doctor can prescribe a higher dose of medicine at the same price as the lower dose. You can split the drug in half or fourths to save. Scored pills are easier to split, but use a pill splitter (usually between $3 and $9 at most pharmacies) to avoid crushing the medication.

– Ask for an exception. If you and your doctor can’t find an affordable option together, speak with your insurer about making a formulary exception and providing coverage for your drug. The formulary is a list of prescription drugs covered by a prescription drug plan or another insurance plan offering prescription drug benefits. (12,13) Your doctor will most likely need to submit a supporting statement, detailing that your drug is medically necessary and that any alternatives would have an adverse effect.

Be sure to be open and persistent. If your insurer denies your request for an exception, file an appeal. This requires that you work with your doctor to submit an application or letter of appeal.