How to Save Money on Prescription Drugs Without Insurance

how to get a prescription without insurance

Based off of a survey done in 2019 by Consumer Reports involving 1,019 citizens it has been found that 12%, approximately 122, of them have seen the out-of-pocket cost of prescription rise by at least 100$

Thankfully options are beginning to become more plentiful for those needing to know how to get a prescription without insurance. If you are among those without or just need more help with existing costs, we have resources for you here today.

How to Get a Prescription Without Insurance and Save!

This is a consistent trend, each year there is a rise in the cost of medication. Individuals are rationing medication, going without medication, or going without other needed things to pay for medication.

With these few channels, it has become a bit easier to handle and potentially able to do away with those problems. 

Discount Cards

Often saving up to 45%, prescription discount cards are one of the most common and first utilized options for individuals without insurance.

Even if you do already have insurance it is a good idea to look into a card. A lot of the time the cost they provide is less than the insurance co-pay you will be charged.

There are a large number of programs at this point, one of the most well known being GoodRx. It is a wise idea to compare programs as they each work a little bit differently.

The discounts offered from program to program can differ and you want to save the most as possible!

Another program WellRx will show the average prices paid for the medications that you are needing, right on their main page as a reference tool.

Prescription Assistance Program

Similar to the discount card, a PAP has a little more to the program. Rather than simply having a card and using it at the pharmacy, there is an application process that a customer needs to go through for each medication they have.

The process can be slightly difficult and potentially confusing for some, so it is wonderful that there is the NeedyMeds tool to help customers through the process.

It will allow a user to search for their medication and then guide them through the steps needed to apply for the program that is related to that medication.

Generic Drugs

Another very easy way to save, at times, a fair amount of money is looking into a generic replacement for your prescription. Generic medication will cost 80 to 85% less than the name brand version. 

It was found the cost for a year of treatment, on average, with the brand name was 18.6 times higher ($6,798) than the generic brand of the same medication ($365) via studies provided by AARP and the Prime Institute at University of Minnesota.

The only factor that changed was brand name versus generic, nothing more. This shows the huge difference it can make by asking your doctor if there is a generic option for your prescription.

Pharmacy Benefits Manager (PBM)

Most workplaces that offer health insurance have a working relationship with a pharmacy benefits manager. Both of the services are offered but it is not required that an insurance policy is held to have access to a PBM.

These services generally allow employees access to a mail-order program with very generous discounts with the convenience of shipment directly to their homes.

Details of the various programs differ and to find out the specifics and if they are offered at your workplace you should start by sitting down with your HR representative.

Free Prescriptions

Take advantage of the free offerings at the following businesses

  • Sam’s Club
    • Vitamin D, Pioglitazone, Donepezil, Finasteride, and Escitalopram
  • Meijer
    • Atorvastatin Calcium, Prenatal Vitamins, Antibiotics, and Metformin Immediate Release
  • Reasor’s
    • Children’s Antibiotics, Penicillin and Amoxicillin
  • Publix
    • Ampicillin, Penicillin, Amoxicillin, Lisinopril, SMZ-TMP, Metformin, Amlodipine 
  • Winn-Dixie
    • Metformin, Sulfameth/Trimeth, Amoxicillin, Lisinopril, Penicillin 

It is important to note that Sam’s Club does not offer these in a handful of states and you should confirm that your state is not on that list.

Costco will also allow customers to shop at the pharmacy even if they are not members of the club. A way to get people in the door but for you why not take advantage of the program!

Even comparing Costco to a “real” pharmacy like CVS the savings are huge. 

For a commonly used anti-depressant Cymbalta:

  • Costco-$35
  • CVS-$195

Purchasing Options (supply # and coupons)

Shopping around is an option for all the purchases we do daily. When dealing with a prescription it is no different. Various pharmacies will have different prices for the same medications. 

It is worth the effort to look into the difference in prices that are offered before filling the prescription(s) that you have. 

Manufacturers themselves will provide coupons and assistance programs for their customers. Take the time to do a little bit of research and see if your medication has any of these types of offers.

Often they will be in the form of a printable coupon or registration program.

Looking into 90-day supplies rather than 30 or 60 is a way to save money as well. Buying a larger supply all at once has been shown to save upwards of 29% according to a study done at the University of Chicago.

And looking to buy in bulk has never been easier, the convenience of 90daymeds is available with up to 90% discounts and shipping directly to your home.

With verification by PharmacyChecker.com, you can have the utmost confidence in quality and safety. 

Be Able to Beat Prescription Costs

Now you have it, the tools of how to get a prescription without insurance. Remember if you need more than just our word, come read all that has been said about the services 90daymeds can offer you.

Taking care of the health concerns you have should be the only thing you need to worry about, not the cost of the medication.

Now you won’t have to be overwhelmed by the costs of your prescriptions even if you don’t have insurance.