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Rx – cost saving tips | Project:Living™ Health Fund Café

Simple tips for making the most of your prescription drugs coverage to save you even more money.

You may be missing out on major opportunities to spend less on medications. Check out the six smart patient tips to help you save more each and every year.

Generic medications contain the same active ingredients and strength as specific, brand-name drugs. Many brands now have generic equivalents, which are just as safe and effective…you just pay A LOT less for the generic form.

When generics are not available, talk to your doctor about other low-cost options. If they use an electronic prescribing system, you can ask them to find the lowest-cost alternative to the medication prescribed.

When generics aren’t available for the medications your doctor is prescribing, chances are your doctor has samples of medications. Ask if they can provide you with a free sample.

Quick Tip: Sometimes your doctor may start you on a medication and then switch you to a different version after a few weeks. By asking for free samples, you can avoid paying for a high-cost prescription that you may not end up finishing. That way, you can start your medication right away, and then fill the prescription at a later date when you and your doctor have had a chance to see how well it’s working for you.

Use the CVS Caremark mobile app with your doctor at their office to verify whether a prescription is generic or find the lowest-cost brand alternative if generic isn’t available.

Or, go online at home before you pick up your prescriptions. You’ll see up-to-the-minute order status on your smartphone or tablet, so you’re not stuck waiting at the pharmacy.

Download the app.

Still need help? Consider talking to your pharmacist when picking up prescriptions to see if they can find a lower-cost alternative. If one is found, your pharmacist will even contact your doctor for you to make the change.

Sometimes cash can be tight, so when you can’t afford your medications, you can set up a payment plan with CVS Caremark. They will work out a three-month payment plan, so you can get the prescriptions you need when you need them.

For example, say your blood pressure medication costs $300 for a 90-day supply. If you choose the CVS Caremark home delivery option, you can set up a payment plan that allows you to pay $100 a month for three months until the bill is paid in full.

How great is that? A 90-day fill is cheaper than three, 30-day fills, you get to pay that expense over a three-month period, and your medications are delivered right to your mailbox. Or, you could use your Health Savings Account (HSA) funds to pay for prescription medications, so you don’t have to pay out of your pocket.

Payment plans are only available when you choose the 90-day home delivery option through CVS Caremark.


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