Generic drugs: About 80% of prescribed drugs are “generics” -- drugs whose patents have expired. Generic drugs are usually (but not always) less expensive and are generally as effective as “brand name” drugs. In some cases, generic drugs are available “over-the-counter” (i.e. without prescription) and do not require a co-pay. Ask your doctor about this option.
Understand your medications: sometimes prescriptions can be reduced if you are doing well. Ask your doctor to review your prescriptions with you.
Manage your refills: For medications you take regularly, you may save money by changing the time for the next refill. For example, the costs may be less if your prescription is for a three-month supply of meds instead of one month supply that requires two refills. You may also save money by using an insurance mail order service. Check with your doctor and your insurance company for details.
Many commonly prescribed medications are inexpensive and you can shop online for price and special discounts.