If you don't think you have to worry about the cost of prescription drugs because you have insurance, think again. Even with insurance, it can sometimes be a challenge to come up with the money out of pocket needed for many prescription medications.
However, if you choose to use a medication discount card, you will find that it is much easier to beat that copay and start saving.
Get to Know Insurance Prices
Often, health insurance offers a discounted copay price on prescriptions or there is a set copay amount you have to pay. So, when deciding if you should use your insurance when filling your prescription, you need to consider whether or not the medication is even covered by your insurance to begin with and then find out how much it is going to cost.
Find Discount Prices
If you find that the prices, even with your insurance, are going to be hard to handle, consider a medication discount card to help offset those high prices. Sometimes you will find that some drugs will cost you more with your insurance than they would if you chose to use a coupon or medication discount card.
Metformin, for example, may cost you a $10 copay depending on your insurance. However, with a discount, you may be able to find it for free at different pharmacies. So, why pay when you can get the same medication at a discount or even for free?
Discount Instead of Insurance
Even if you have insurance, you can still use your discount card. Having a discount card for your prescriptions is one of the best ways to start saving money in the pharmacy and finding ways to beat those sometimes high copays. The discount can often be applied to help lower the copay which means you don't have to go through your insurance to find the lower pricing. Simply ask your pharmacist for clarification on the pricing for your prescription medications and then make a more informed decision.
Make Informed Decisions
As you can see, there are ways you can beat your copay but it always helps to stay informed and understand all the options that are available to you before you pick up your medication from the pharmacy.