How to save money on prescriptions, especially without insurance
This post “How to save money on prescriptions, especially without insurance” has been sponsored by Inside Rx. All thoughts and opinions are my own. The Inside Rx trademarks and graphics are provided by Inside Rx, LLC.
I’m self-employed. This means I don’t have any benefits provided by my employer, because, I’m my employer! As a part of my husband’s work benefits, we are fortunate that we can add all of our family to his health insurance + prescription benefits at an affordable price. This is just one of the reasons I was able to become self-employed. I know many people aren’t as lucky. For some, it may be more affordable to pay for health care and prescriptions out of pocket than to pay for insurance. Inside Rx is trying to help people with the prescription cost. I’ll share how to save money on prescriptions, especially without insurance with InsideRx.
What is InsideRx?
The Inside Rx card is a free prescription savings card that can be used in the U.S. and Puerto Rico. This card can help save you money on select brand name and generic prescription medications for you and your whole family. Yes, that means pets too!
You do not have to keep your personal information on file with Inside Rx to use or download the card; you can print the discount card directly from the Inside Rx website or download a virtual card.
Inside Rx is not insurance. Because it cannot be used with insurance, it’s actually great for people without insurance, those in high deductible health plans or those who were prescribed a medication that their insurance won’t cover, to help them get discounts on their medications. If any of those ring true for you or your family, you can download a savings card for free at InsideRx.com. You can find eligibility restrictions and other terms and conditions at InsideRx.com.
How can InsideRX help with prescription costs?
If you want to try out Inside Rx, go to www.InsideRx.com to search your medication and find the best deal and closest pharmacy near you. With Inside Rx, you’ll find more than 50,000 participating pharmacies in the United States and Puerto Rico. You should see the price when you search.
You’ll need to download a free prescription savings card (you can even do it straight through your phone) and see how much you can save on both brand-name and generic medications.
When you download and use a free savings card from InsideRx.com, discounts average 78% on generic medications and 37% on select brand medications!
Once at your pharmacy of choice, show your card and prescription to a pharmacist and they will get you all set up with your discount. The free card can be used at more than 50,000 participating pharmacies, including big national chains. There are a lot of options and should be a pharmacy close to you.
You can use the same card every trip for every medication or grab a new one each time if you forget it.
Inside Rx may also help you save on your pet’s medications too with the Inside Rx Pets card. The Inside Rx Pets card can be used for discounts on select human medications that are commonly prescribed for pets. Read more at insiderxpets.com.
Tips for saving money on prescriptions (with insurance or not)
If you have insurance, check if you can lower your copay by switching pharmacies or signing up for home delivery; for some plans, switching to home delivery can offer savings on a 90-day supply of medications. On the switching pharmacies note, did you know, even amongst the same chain of stores, the cost to fill the exact same prescription can vary?
If you take a brand-name medicine, talk with doctor or pharmacist to see if there’s a generic or less expensive option that may work for you.
But what about discount cards from doctor’s offices?
Sure, your doctor might give you a savings card for a specific prescription he/she wrote for you. This seems like a great idea and plan. But, then you get to the pharmacy and learn the card from your doctor’s office only works if you have insurance. WHAT? So, you are at the pharmacy thinking you are going to get a $300 prescription for $10 (like the card from the Doctor’s office says), but you can’t use it because you don’t have insurance.
This is when you pull up InsideRx.com on your phone, download a card and check to see if you can save some money.
Why saving money on prescriptions is so important
According to the most recent data from The Centers for Disease Control and Prevention (CDC), in the past 30 days:
- Almost half (48.9%) of people have used at least one prescription drug
- About a fourth (23.1%) of people have used three or more prescription drugs1
- 11.9% have used five or more prescription drugs
- Prescription medications can save and improve the quality of life for millions every year—particularly for the estimated 157 million people who by 2020 will have been diagnosed with a chronic condition2
Medication adherence is simply taking your medications according to your doctor’s instructions; that includes filling your prescription, taking the medicine as often, in the correct dose, and for the time that has been prescribed.
Not taking the medications as prescribed—also called non-adherence—can worsen a condition, require additional medical care, or even cause other health problems which ultimately increases your healthcare costs. In fact, The CDC estimates non-adherence causes to 30-50% of chronic disease treatment failures and 125,000 deaths per year in the U.S.3
For persons without insurance that avoid filling prescriptions due to costs, the Inside Rx prescription savings card, available at InsideRx.com, may help. Eligible users have received discounts averaging 78% on generic medications and 37% on select brand medications. Since 2017, the card has saved Americans over $400 million!
If you are struggling to get your prescriptions filled, make sure to head to InsideRx.com and download a card or bookmark the site for your next pharmacy visit.
1https://www.cdc.gov/nchs/fastats/drug-use-therapeutic.htm
2https://www.nationalhealthcouncil.org/sites/default/files/AboutChronicDisease.pdf
3https://www.fda.gov/drugs/special-features/why-you-need-take-your-medications-prescribed-or-instructed
*Inside Rx is not insurance. Use is subject to eligibility restrictions and other terms and conditions at www.InsideRx.com.
I’ve been using something like this, but now am happy to have another competitor to flesh out the market. I’m giving it a try!
Yes, always good to have more options!
Me too, it’s great to know that we do everything correct!