How to Save Money on Prescription Medications (Even Without Insurance)

It’s no doubt that the cost of prescription drugs has recently skyrocketed and as a result many consumers can’t afford the medications. Although, the medicines are expensive, you can save some money on them even if you don’t have insurance. To guide you through, here is how you should go about it:

Go For Generics

Although, they are cheaper, they usually nave the same ingredients as the brand name drugs. They are also available in the same dosage strengths as the brand name medications. The drugs differ with the brand name drugs in that they are not patented. They are also visibly different and have different inactive ingredients.

While generics will save you a lot of money (up to 80% off the brand name price), you should be careful when taking them. As rule of thumb you should ensure that you don’t take them without consulting your doctor. You should always consult your doctor and ask him to test you if you are allergic to the inactive ingredients in the medications.

Save Money on Prescription

Buy In Bulk

If you are going to take the same drug for a long period of time, you should consider buying it in bulk. For example, you can buy a 90-day supply instead of a one month supply. When you buy in bulk you will attract discounts from the suppliers and as a result you will save a lot of money.

Use a Discount Drug Card

This is a card that is provided by a pharmaceutical company or any other entity. The card allows consumers to access medications at lower prices. The good side is that the cards are available to everyone and all you need to do is to approach the issuing company and fill an application form and within a few hours or days you will have your card.

There are two types of cards: free and paid cards. Free cards usually offer small discounts on prescription drugs while paid cards offer larger discounts. To avoid straining yourself, you should go for the cards that fit your ideals.

Negotiate With the Retailers

If you thought that you can’t negotiate the price of the medications, you are wrong. Just like everything else, you should ask the retailers to sell you the medications at lower prices. Although, you won’t receive great discounts, you will save some money that will be of help in future.

Look Into Patient Assistance Programs

Many pharmaceutical companies have these programs that allow qualified patients to access medications at low prices. Qualified patients are also sometimes allowed to access the medications for free.

Different companies have different eligibility criteria; therefore, you should approach your desired company and ask them what it takes to join their patient assistance program.


These are the most common ways in which you can save on your medications even if you don’t have a health insurance. You should note that you can use two or more of the ways and you will be able to save a lot of money. For example, you can use a discount drug card and at the same time use the patient assistance programs.

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