Practical tips to help you be a smarter health care consumer.
As drug costs continue to climb and more Americans become dependent on certain drugs, many are spending a small fortune on their health. It can be difficult for people to get an accurate sense of what pharmacy visits will cost ahead of time, which can be frustrating and daunting for many. But fear not, there are many ways you can save money at the pharmacy without sacrificing your health. Here are a few tips on how to save money on prescription drugs.
Understand the details of your plan’s coverage. Avoid surprise expenses by understanding what is and is not covered in your health insurance. Find out if you have to meet a deductible before your non-preventative drug coverage kicks in. Also, find out if your plan has a preferred list of pharmacies where you will be charged a smaller co-payment. This admin work can help you save money in the long run!
Talk to your doctor. Doctors may not necessarily know which drugs are covered in your plan or how much each will cost. Sometimes, one drug is best for you. Other times, there may be less expensive and more generic alternatives that work well.
Fill a 90-day prescription instead of the standard 30 days. Think of this as buying in bulk – just with your medicine. This tip also means that there are fewer co-pays and fewer trips to the pharmacy which can save you time and money.
If you’re not sure what your health insurance covers, or you need to find health insurance, visit the team at Donald Weiss Insurance Services today. We can help you find the right coverage for your needs and lifestyle, all at the right price.