The high cost of drugs might make you unable to afford the full cost of your prescription. You may even be unable to get insurance reimbursements as some insurance covers do not meet all the costs of medication.
How do you get your prescription filled without having to inconvenience your entire financial wellbeing?
Here are some options you could consider.
Generic medicines are usually the same type of medicine as your original prescription medication, although they may feature different inactive ingredients.
Going generic will help you afford the expensive medication plans without having to pay the full amount. Generics are cheaper than, as safe and just as effective as original prescription medicine. They could prove to be the difference in approach that helps you get your medication.
Some manufacturers offer discounted coupons that reduce the cost of specific medication in the form of copay coupon cards.
Companies may offer anything between 20%-100% discount with these cards. They have little eligibility requirements and may be accessed from the company’s website or through certain mobile applications.
Getting one of these coupons could be as simple as asking your doctor, or filling out an online form and printing the resulting card.
Patient assistance programs
PAPs help people on the lowest income spectrum afford medication without taking a major toll on their finances that may hinder their ability to live normally. PAPs offer prescription plans for uninsured and underinsured people, as well as those on the lower end of the income spectrum.
With PAPs, you might even get the medication mailed to your residential location at no charge to you. Before applying for PAPs, you need to research the specific requirements for each individual program to know whether you are eligible for assistance.
OTC (Over The Counter) options
Over the counter medication is sold to clients without a prescription. They are available at pharmaceutical outlets and some supermarkets. There is probably an OTC alternative available for your medicine.
This medication is affordable, safe and effective. However, you need to understand the potential consequences of taking each OTC medication as you would any other prescription.
Some OTC medication may have a risk of dependency and addiction, as well as other minor and major side effects.
Regardless of the option you choose, your doctor should be central to efforts to reduce the cost of your prescription. They will help you understand whether generic and OTC alternatives are available and whether they are right for you.
They will also provide discount coupons an may help you with your patient assistance application. For these two programs, your doctor may even be the recipient and distributor of your medication.
You can cut the costs of your prescription with these methods. However, some may not provide as big a discount as you need. You can overcome this by thoroughly researching on the best course of action for you.
A visit to your doctor could help you make the best choice.