Four Tips For Affording Your Medications

Medicine can be a very expensive part of your family’s health care needs. If your doctor has prescribed medicine and you can't afford to pay for it, you may be able to get the medicine for free or at a reduced cost. There are several kinds of assistance programs that may be able to help.

Private and Public Health Insurance

Your insurance company may cover a portion of your medication costs; it depends on your specific insurance plan. If you have a high deductible, you must pay for the entire cost until a certain deductible is met.  Check with your insurance company to find out which medications are on their preferred drug list.  The easiest way to do this is to go to your insurance company’s website and log in to the online portal.  Most sites will allow you to search for medications by name or type and then provide you with information about out of pocket costs.  Contact us with this information, and your doctor can decide if changing medications is an option for you. 

Patient Assistance Programs

Patient-assistance programs (also called PAPs) are sponsored by the pharmaceutical companies that make prescription medicines. Each company has its own rules about who qualifies for its PAP.  Each PAP has its own application process. In many cases, you can submit an application online. For others, the application must be mailed in. It's important to keep in mind that applying doesn't guarantee that you will get your medicines for free or at a lower price.

Many manufacturers offer vouchers or coupons you can print and take to the pharmacy when you pick up your prescription.  If you are unable to make use a generic medication, or if no generic is available for your medication, check the manufacturer’s website for a voucher. 

Shop Around

Finding Coupons for Medicine Online

Prices can vary from pharmacy to pharmacy, and many pharmacies have a list of medications they offer free of charge or at a discount if you have their loyalty card or join their generic prescription savings club.  Check their websites for details.  Once your doctor has sent your prescription to a pharmacy, you can have the pharmacy transfer it to another pharmacy if you find a lower price. 

GoodRx.com is a website that searches your local area for the best price on medications and has links to coupons. 

Your Pediatrician’s Role

Finally, let your pediatrician know if you are unable to purchase your medications so that we can help you make informed decisions. Sometimes, you may need help prioritizing which over-the-counter or prescription products to purchase. We can also suggest substitutions that may be more cost-effective. In the event that you decide not to purchase a product that has been recommended, please let us know. Our goal is to ensure your best health and the more we know about how you implement our treatment suggestions, the better advice we can provide.