Prescription medication cost savings

Affording prescription medications can be challenging even with insurance. Here are a few tips to help you save money.

Apr 09, 2021

Talk to your doctor or pharmacist about alternative medications 

Often there are several drugs available to treat the same condition. Try generic drugs which have the same active ingredients as brand-name medications, but are substantially less expensive. Your pharmacist may be able to recommend or your doctor may be able to prescribe a cheaper option which means lower costs for you.

Understand details of your health insurance pharmacy benefits

Your health insurance plan has a big impact on the cost of prescription medications. Become familiar with your benefit, even if you don’t need it right now. Some plans offer savings by filling at our preferred pharmacy network/ mail order pharmacy or filling 90-day supplies for drugs that you use every day. Additionally, some plans may cover certain preventive medications for $0 or offer savings on medications where a larger dose pill can be split in half.  View your benefits on you member portal.

Shop around

Prescription drug prices can vary greatly among pharmacies. Login to your member portal and use the Cost Compare Tool to find the lowest-cost pharmacy near you.

Take advantage of copay cards

Copay cards can often be used with commercial insurance to reduce your out-of-pocket cost. Whether your plan requires a copay, coinsurance, or the full drug cost for high-deductible plans, copay cards can save you money. They are often available for newer brand-name drugs that do not yet have a generic available.

You can find copay cards on, the drug manufacturer’s website, or by speaking with your pharmacist. You may need to enroll in a program before using the card.

Please note that copay cards are different from other drug discount cards like those from GoodRx, which cannot be used with insurance. Any prescription that is filled without insurance does not apply to your deductible or maximum out-of-pocket cost.

Apply for financial assistance

You may qualify for prescription drug assistance through the state or charitable care organizations. Program requirements vary and some may have income restrictions. See the find personalized assistance resources available to you. Other resources include state assistance programs.

See on how to apply. The Assistance Fund at offers help for more than 70 specialty disease programs.

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