Splitting Your Prescriptions to Reduce Costs

Ask your doctor if you can split your prescription into smaller quantities. Many pharmacies offer discounts for larger quantities, but buying a smaller amount initially can significantly lower your upfront cost, especially for expensive medications. This strategy works best with pills that can be safely divided, like those scored down the middle.

Check your insurance plan’s formulary. Your copay might be lower for a generic equivalent or a medication in a different dosage. Sometimes, obtaining a smaller quantity of a more affordable option might be cheaper than a large quantity of a pricier medicine, even with a higher copay.

Compare prices across multiple pharmacies. Use online pharmacy comparison tools or directly call several pharmacies to inquire about prices for the exact quantity you need. Don’t assume the biggest chain always has the best deal; smaller, independent pharmacies can sometimes offer lower prices.

Explore prescription savings programs. Many manufacturers offer patient assistance programs that provide discounts or free medication. These programs often have eligibility requirements, so check their websites for details.

Consider using a mail-order pharmacy for long-term prescriptions. While you’ll pay for shipping, you might receive substantial discounts on bulk purchases if the savings outweigh the delivery fee.

Always discuss splitting your pills with your doctor or pharmacist to ensure it’s safe and appropriate for your medication. Improperly splitting pills can affect dosage and efficacy.