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You Don’t Need Insurance To Save On Prescription Drugs

YouDon’tNeedInsuranceToSaveOnPrescriptionDrugsAlthough it doesn’t shine as brightly in the media spotlight as some of the other aspects of modern life, like digital technology, medicine has been critical to American society. Without medicine, children would be much more vulnerable to illness, and even death from childhood diseases. Conditions like diabetes would have a much higher mortality rate, and even activities we take for granted like surgery would be much more complicated and even painful without medication like painkillers used during recovery.

However, for all the advantages that medicine affords the average American over the course of a lifetime, that kind of medical aid isn’t free. Less powerful medications, such as those available off-the-shelf, are more affordable, easily within the means of most Americans. However, for something like the pain killers that are prescribed after surgery, or the antibiotics that might be required to fight off an infection, these are much more significant in cost. Fortunately, even with higher prices, this type of medication is temporary in nature, and once recovery has occurred, there’s no more need for further medication expenses.

Unfortunately, this is not the case for all Americans. Some people chronic conditions that can last the entire life of the person. Someone diagnosed as a child with diabetes, for example, will need regular access to insulin for the remainder of that life, since diabetes has no cure. In these instances, medication is required to manage symptoms, and sometimes it is vital to keep a person alive, but now there’s an additional challenge. A lifetime of medication can make a huge impact on personal finances, but unlike eating out at restaurants, or frequent shopping sprees, medication can’t be “cut down” to save on monthly expenses.

Some Americans have the good fortune to work full-time jobs at a company that has comprehensive benefits, including health coverage. Other Americans have the income available to pay the premiums required for more extensive health insurance coverage that has benefits like co-pay, where the insurance company meets people “half-way” on the purchase of medication and pays, in part, some of the purchase prices.

For those that don’t have this type of access, you might be wondering how to save on prescription drugs without insurance. Fortunately, there are still some ways to avoid paying full price. All it takes is a little more effort.

Seek Financial Assistance

YouDon’tNeedInsuranceToSaveOnPrescriptionDrugsAnyone that’s not in the upper class and is staring down the prospect of a lifetime of prescription medicine knows that this is going to be a major expense that can hurt finances. For some, it may not be possible to meet this medical requirement without help, but help is available.

Depending on what state and city or town you live in, there may be various forms of financial assistance available. Some organizations are privately run assistance or charity programs, while others may be part of a municipal, state, or even federal program that provides funds strictly for the use of medication. Look into these programs and see what kind of qualifications or other factors for eligibility may be required.

Get Discount Coupons From A Doctor

Pharmaceutical corporations are always looking for different ways to promote their products. One of their strategies that employs a more personal touch is to have sales representatives reach out to doctors and give them discount coupons. These coupons work exactly the same way as others for more conventional retail items. All you have to do is present the coupon at the time of purchase, and if the coupon is recognized by the outlet you’re at, you get a discount applied.

So the next time you’re at your doctor for a check-up, remember to ask about whether there are any coupons available. Doctors often get so many offers for different coupons that they may forget they even have them unless a patient asks.

Compares Prices From Other Locations

This is one of the most effective ways to pay lower prices on medication. There is no fixed price for prescription medicine, so if a particular outlet in an affluent neighborhood feels like it can charge 200% more for medicine, they are free to do so. In the same way, if a pharmacy in a less affluent neighborhood charges much lower prices to accommodate lower-income customers, this is also absolutely legal.

What this means to shoppers is that there is a huge variance, even within a city itself, to what pricing the same medication is going to have from one neighborhood to the next. You can take advantage of this if you’re willing, but it means doing some comparison shopping. You can either visit locations, make phone calls, or, in the Internet age, use digital means, like an app on a phone that access a central database of current information on the pricing of medication in your area. This is one of the most cost-effective ways to find better pricing in your immediate area, but it does require a bit of commitment to researching.

Apply For A Prescription Discount Card

People that want to know how to save on prescription drugs without insurance can greatly benefit from this strategy. There are different types, but prescription discount cards are available to people through a variety of different venues. Some are affiliated with larger retail chains and may require paying membership dues to get access to the card. Others might not require paying membership fees or subscriptions but have other qualifying factors that need to be considered, such as income level or the area of residence.

One solution to this problem is the USA Rx website which offers its own discount card. This card is free, has no subscription or membership fees, and doesn’t even require membership. It’s recognized in every state in the country, including Alaska and Hawaii, and is honored by over 60000 different outlets around the country. The discounts available range from 10-75% depending on the medication being sought, and you don’t even need to wait to get the card and start using it. You can go online, sign up, and either print out a version for yourself or use your phone.

Published November 19th, 2019 by Stephanie Clegg
Fact Checked by Chris Riley

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