How to Save Big on Prescription Meds?

Prescription drugs are too expensive—but we’ve found small steps that lead to big savings.

If you’ve ever been shocked at the pharmacy counter, you’re not alone. Prescription drug prices in the U.S. are notoriously high—even with insurance. But here’s the good news: there are practical ways to slash those costs without skipping the meds you need.

At Money Work, we're all about helping you keep more money in your pocket. So if you're tired of paying top dollar for your prescriptions, try these five simple, proven ways to save.

1. Ask Your Doctor for a Generic Alternative

This is hands-down the easiest way to save.Generic medications have the same active ingredients as brand-name drugs and are FDA-approved for safety and effectiveness—but they cost up to 85% less.

What to do:

• Next time you’re prescribed something, ask your doctor, “Is there a generic version available?”
• If you’re already on a brand-name drug, talk to your pharmacist—they may be able to contact your doctor and switch you.

2. Use Prescription Discount Apps and Cards

There are tons of free tools that compare prices and offer instant discounts at pharmacies near you.

Top ones to try:

• GoodRx
• SingleCare
• ScriptSave WellRx
• RxSaver

Simply enter the drug name, dosage, and your zip code, and they’ll show you the lowest prices around—no insurance required.

Pro Tip: Sometimes these discounts are cheaper than your insurance copay, so check both!

3. Compare Pharmacies—Prices Vary Widely

You’d think all pharmacies charge the same. They don’t. A medication that’s $15 at Costco might be $70 at a local chain.

Try these budget-friendly options:

• Costco (you don’t need a membership for the pharmacy)
• Walmart’s $4 prescription list
• Local independent pharmacies (often more willing to price match or offer discounts)

Tip: Call around or use those price comparison apps to shop before you drop.

4. Ask About a 90-Day Supply

Filling a prescription monthly adds up—not just in cost, but also time. Many pharmacies and insurance plans offer a discount if you get a 90-day supply instead of 30 days at a time.

Why it saves:

• Fewer dispensing fees
• Potential insurance savings
• Fewer trips = fewer temptations to impulse spend at the pharmacy

Ask your doctor and pharmacist if this option is available for your medications.

5. Tap Into Patient Assistance Programs

If you’re uninsured, underinsured, or struggling financially, many drug manufacturers offer Patient Assistance Programs (PAPs) that provide medications at little or no cost.

How to apply:

• Visit Needymeds.org or RxAssist.org
• Look up your medication and check the program requirements
• Some even allow applications through your doctor’s office

You may need to provide proof of income or insurance status, but it’s worth it for long-term savings.

Final Thoughts

High prescription costs shouldn't stand between you and your health. With just a few smart moves—from using apps to asking the right questions—you can cut costs, not corners. Money Work is here to help you keep more of your hard-earned dollars while getting the care you deserve.