So you’re looking for ways to save money on your prescriptions – is this even possible? Don’t get discouraged, there are still a few tricks you can play to get a good deal on your meds! Here’s how to get free Viagra – the secret to getting good deals on your prescriptions.
Saving Money From The Start
One of the best things you can do for your wallet is to start making a list of your prescriptions’ needs. Doing this will not only help you determine how much you’re spending on medication but it will allow you to negotiate a better price with your pharmacy. It’s important to make sure you’re not being cheated by asking questions about what medications they have in stock at the lower price and whether or not they will match or beat the price they quote you. If your doctor’s office or pharmacy is located in a different city from your home, be sure to find out what to expect in terms of shipping fees prior to making a purchase. In some cases, you may need to pay for shipping – especially if you’re buying several bottles at a time.
Use Your Points & Miles
Let’s say you’re paying $1000 per month for your meds. There are a few ways you can save money– one of which is called “gratuities”. Many pharmacies offer rewards to their customers for various activities, one of which is filling a prescription. Sometimes these rewards can be quite lucrative – for example, a 1,000-point award for filling a prescription amounts to $10 in savings per month. There are also MilesMeals programs where you can earn rewards that cover almost all your medication costs. You can learn more at the membership website for First Healthcare Savings Account.
Get A Rebate
Another way to save money on your prescriptions is to ask your doctor about obtaining a medical rebate. Sometimes, insurance companies will pay you back for some of the medications you need – usually those that are more expensive. You’ll need to have a prescription from your doctor for at least a month to be eligible for a rebate. Keep in mind that you’ll need to meet certain criteria (such as being over a certain age) to be able to get this type of assistance from your insurance company. It is, however, a viable option for those looking for a cheap way to pay for their prescriptions.
Join A Health Savings Account
If you’re the type of person who regularly goes to the doctor, you may want to consider joining a health savings account. These are essentially savings accounts that you and your employer will contribute to, which can then be used to pay for qualified medical expenses (such as prescriptions). For a relatively low $2,000 per year, you can get a high-deductible plan with a health savings account – which can substantially reduce your out-of-pocket costs. It’s also important to note that regardless of whether or not you have a health savings account, you can still qualify for lower rates and better benefits when applying for group insurance policies. You may also want to consider enrolling in a Medicare Part D plan as well, which is a federally subsidized drug program that offers substantial savings for those looking to avoid paying prescription drug costs upfront. You can learn more at the Medicare website.
Try Buying In Bulk
If you’re a regular consumer of prescription medication and you’re looking to save money, it might be a good idea to try buying in bulk. Many pharmacies will give you a discount for buying larger quantities at a time, which will help you avoid paying out of pocket for medication. It’s also important to check with your doctor’s office to see if they have any advice or suggestions about how to best buy medication in bulk. They may know of some programs or services that can help you take advantage of this route to lower prescription drug costs.
Use Your Points & Miles
Another way to save money on your prescriptions is to use your points and miles. Many credit cards offer rewards when you use them for medical purposes (such as pharmaceutical purchases). In some cases, you’ll get points and miles that are good for both online and store purchases, allowing you to maximize your savings. It is, however, a good idea to read the terms and conditions of these cards before you make a purchase, just to be sure you’re not going to be charged an unexpected fee for doing so. This may be the case if the pharmacy does not participate in the credit card program or if the credit card company decides to increase fees for pharmaceutical purchases – but you should still be able to take advantage of the cards for all other medical/pharmaceutical purposes.
Reduce Your Cost Of Living
There are various ways you can reduce your cost of living while also being able to pay your prescription bills. One of the best things you can do for your wallet is to cut back on some of your unnecessary spending. You can do this by earning more money – either through a second job or by improving your current job’s conditions. Another way to reduce your medicine costs is to move to a cheaper area. Your neighborhood, city, and state all have an impact on your finances – so be sure to consider where you live when looking for ways to save money. It might be a good idea to ask your doctor for suggestions on where to move to or for referrals to professionals that can help you find a new place to live. A word of caution: be sure to consult with a real estate agent or professional negotiator before signing any papers, as they may be able to help you negotiate the best possible price based on your current situation. Remember: you’re selling your house “AS-IS, WHERE-AS”
Pay Your Pharmacy Over Time
One of the best things you can do for your wallet is to pay your pharmacy over time. You’re probably already aware that many pharmacies give you the option of paying in advance, however, if you’re not paying for your prescriptions individually, you could end up saving hundreds of dollars in interest charges. This is especially relevant if you have a balance transferred due to a foreign transaction fee (such as from a foreign country) or if you have a poor credit history and are unable to get a loan.
Be Careful With Online Pharmacies
It’s always a good idea to be careful Internet Pharmacies. This is especially relevant if you’re purchasing medications that are not available directly from the drug company (such as if you’re purchasing a medication that’s only available in a foreign country). In these cases, it’s usually best to buy from a reputable local pharmacy – but it’s still important to be careful.
Contact Your Pharmacist
If you’re still paying for your prescriptions individually and you need help saving money, contact your pharmacist. Many times, pharmacists have special promotions and discounts for patients with high medical expenses – so be sure to ask!