Prescription Drug Savings
Prescription drugs can be very expensive and it pays to shop around. Please note that all prescriptions you run through your insurance plan go towards meeting your annual out of pocket maximum. If you buy your RX direct paying cash, you miss out on this benefit. With that said, if you are at no risk of reaching your medical out of pocket maximum, and want to pursue discounts on prescription drugs, here are a few tips:
1. CHECK WHAT THE INSURANCE PAYS FIRST
If your plan has a $30 copay for Generic drugs, and you can buy it at Fred Meyer's under their $4.00 plan, know your options, check around. Some insurance plans have preferred pharmacies that will offer you lower costs. Ask for the lowest price before you just pay. (Check the drug cost at www.goodrx.com first)
If you have a name brand drug, you may ask your Pharmacist to recommend a generic that may save you money.
2. CHECK ONLINE COMPARATIVE RX TOOL
Four websites for comparing drug costs:
I'm just passing on a client tool here, not recommending any site,
nor am I compensated for mentioning them.
3. ENROLL IN THE FREE OREGON PRESCRIPTION DRUG PROGRAM
This is a free program available to all Oregonian's, even those with insurance.
It may offer you a better discount than what the Insurance company offers.
You can order a free card at the state website:
4. CHECK OUT YOUR GENERIC DRUGS AT THE PHARMACIES THAT OFFER A $4.00 PROGRAM
Keep in mind each pharmacy may have different drugs on their lists, so check a couple out before you decide on one. Note that Cosco, Fred Meyer, and others may have $4.00 drug programs similar to the ones listed below.
WALMART LIST OF $4.00 DRUGS:
WALGREENS $12.00 for 90-day Supply List:
MANUFACTURER DIRECT DISCOUNTS
If you're on one of those custom, brand name $500 per month drugs and need a discount, consider going direct to the drug manufacter to see if they have a discounted program you may qualify for. This may take some investigating on your part, but it could save you thousands.
DISCLOSURE: I do not represent these companies, nor am compensated for recommending these resources. I also am not offering any advice on medical matters. Consult your physician before taking any prescription medication or changing prescriptions. The rates drugs listed online are subject to change and should be verified at the pharmacy.
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