Smart ways to cut costs

• Shop pharmacies: Prices vary a lot. Call 2–3 nearby stores or use a price tool to compare cash prices.
• Ask for generics: Your prescriber can switch to lower-tier alternatives when appropriate.
• 90-day fills: Often cheaper per pill; ask if available for your medication.
• Manufacturer coupons: Many brand drugs offer copay cards or patient-assistance programs.
• $4 lists / club pricing: Some chains have low-cost lists on common generics.

Patient assistance & programs

• Manufacturer Patient Assistance Programs (PAPs): Income-based free or discounted meds for many brands.
• Community clinics / 340B: Federally supported clinics may have lower cash prices for eligible patients.
• State/local resources: Some states fund pharmacy assistance—ask what’s available in your area.

Medicare vs non-Medicare

• If you’re on Medicare, compare a Part D or Advantage plan with drug coverage—cash cards may not combine with insurance.
• If you’re not on Medicare, the tips above help reduce out-of-pocket costs without a plan.

See Medicare Part D options