Technology is awesome and often makes our lives much easier. When it comes to healthcare, tech is doing wonders for ensuring more people have access to doctor’s visits and prescription medications. Sadly, the rising costs of healthcare in America extends to the pharmacy as well. Getting the medication you need, regardless of your insurance, should be attainable for anyone. Here are a few ways to save some money when getting your prescriptions.
Reconsider Your Insurance
Insurance is weird. Sometimes it seems as if it can help you save money on medical stuff, but sometimes it can actually have the opposite effect. That’s where the idea of Shopping around different pharmacies for the best price comes into play. Some pharmacies actually inflate the price of various drugs, so finding a pharmacy that charges the smallest amount for them is the best way to go. This process is called “Price shopping” and can be quite helpful for discovering the best pharmacies to use for your prescriptions. With this method, you’ll need to keep in touch with your insurance to ensure you can get things paid for and you may want to consider switching all of your prescriptions to the same pharmacy once you find the one you like. It has its pros and cons, but it can be one way to reduce the cost or financial impact of prescriptions in modern day American health care.
Get A Prescription Discount Card
Another way to ameliorate some of the higher costs associated with prescriptions in the United States is to get a prescription discount card. Many providers offer discount cards to members. Some memberships are free while others might have a small membership fee. These sites typically offer various coupons, ways to shop around and compare prices, or unique discounts for some medications.
Use Your Health Savings Account
A health savings account, or HSA, consists of dedicated funds specific to health care services. You contribute to the account as part of your paycheck and contribute pre-tax, so you actually end up with more of your income not being taxed after the contribution. It’s kind of a nice bonus. You can’t use an HSA to pay for just anything. It has to be a qualified medical expense. This could be dental work, therapy, regular appointments, and more. Prescriptions can also be covered under HSA. You can use HSA funds to reimburse yourself for any qualified medical expenses not covered by your insurance. Paying out of pocket can be costly, so using an HSA for prescriptions (as long as they’re qualified expenses) is a viable means of saving money on prescriptions long term.
Getting your prescription through the mail is another tried and true used method requiring prescription medication conveniently and inexpensively. Mail-order pharmacies work directly with a patient’s insurance to get the prescriptions to the mail (this is done after the doctor prescribes a medication). After a prescription gets filled it will be sent directly to the patient through regular mail. There are plenty of advantages to this service including convenience – you have to go to a pharmacy – and getting automatic refills. It’s not out of the question to get a 90-day supply of medication this way, which will save money over time. On the downside, we are dealing with the United States Postal Service here, so there could be delays and/or damage to the package if left to languish through the postal system. Despite this, mail order prescriptions are a popular choice and point towards the future of healthcare accessibility for everyone.
Online Through Telemedicine
One of the easiest and most convenient ways to save money on prescriptions is to utilize telehealth/telemedicine. To get a convenient online prescription refill, all you need to do is follow three steps:
- Find a telemedicine provider. Check with your insurance or for reputable providers online.
- Book an online doctor’s appointment through the provider’s website.
- Consult with the doctor. They will ask about your medical needs and symptoms, any previous medical history, medicines you’ve used, and other related information they’ll need to determine if you need a new prescription or a refill for an existing one.
Telehealth is pretty versatile in what it can prescribe, including antibiotics, prescription allergy medication, UTI meds, HIV PrEP, birth control, asthma inhalers, hypertension/blood pressure medications, and much more. Once you find the right telehealth provider, you can save time, money, and energy by getting quality accessible healthcare from the comfort of your own home.