Explore these ways that might help you save money on your prescription medicines.
Drug manufacturers sometimes offer “co-pay cards” to help consumers with private insurance pay their drug co-payments. Each program is different, but you can learm more here.
Remember: There may be some reasons not to use a co-pay card, so always ask your health care insurance plan how using co-pay cards may impact your deductible and out of pocket costs.
The Patient Advocate Foundation’s Co-Pay Relief Program provides patients who meet certain financial criteria with assistance with their co-payments, co-insurance, and deductibles.
In order to be eligible for co-pay assistance, patients must:
- Be enrolled in a health insurance plan
- Have a confirmed diagnosis of the condition that needs a prescription to treat
- Live and receive treatments in the United States
- Meet certain income guidelines
Coupons and Discounts
GoodRx is a free service that compares prices for every FDA-approved prescription drug at more than 70,000 US pharmacies. It also offers coupons to use at local pharmacies.
RefillWise offers a free prescription drug discount card that can help consumers save up to 80 percent off the list price of their prescription drugs. It also gives loyalty points for cash rewards.
NeedyMeds offers a Drug Discount Card that can save consumers up to 80 percent on prescription drug costs and also connects patients to Patient Assistance Programs that offer medication for free or at discounted rates.
Patient Assistance Programs help patients who don’t have health insurance or prescription drug coverage—and qualify for financial assistance—get the medications they need for little to no cost. They are run by pharmaceutical companies, nonprofit groups, and states. Every program is different.
RxAssist maintains an online database of PAPs and current application forms.
Pharmaceutical Manufacturer Prescription Drug Assistance
Patient Assistance Programs that are run by pharmaceutical companies require consumers to submit an application to the company that manufactures the prescription drug they need. The drug company reviews the application to determine eligibility, and if approved, the drug company ships a supply to a consumer’s home or their health care provider’s office.
The Pharmaceutical Research and Manufacturers of America’s (PhRMA) Medicine Assistance Tool (MAT) provides consumers with resources to help them afford their prescription drugs, including Patient Assistance Programs, co-pay assistance programs, discount cards, and other helpful resources. MAT is a search tool that is designed to help patients learn about patient assistance resources that are available to them according to their age, income, geographic location, insurance status, and other factors.
Nonprofit Prescription Drug Assistance Programs
The Patient Advocate Foundation (PAF) provides helps patients with chronic or life-threatening diseases to get the treatment recommended by their health care provider. It provides case management services, a co-pay relief program, a national financial resource directory, and financial aid. PAF can be reached by phone at (800) 532-5274.
The National Council on Aging supports 87 Benefits Enrollment Centers (BECs) around the country to help low-income consumers, people on Medicare, and people with disabilities access programs that pay for health care, food, and more. It’s BenefitsCheckup is a free service that helps connect patients with state, federal, and private benefits programs in their local area. These benefit programs aid with prescriptions, health care, food, utilities, transportation, and more.
State Pharmaceutical Assistance Programs
Many states and the U.S. Virgin Islands offer help in paying drug plan premiums and other drug costs. Check programs available in your state here.