The Prescription Lowdown
By
Amy Allen Clark
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Prescription medication is an expense that many families cannot afford. If you
do not have an insurance plan that will cover your prescriptions and are a
low-income family, then you are not alone. Fortunately there are programs
available to assist you with your medications, but finding them can be a
struggle.
For many years we went without coverage for our prescriptions and it was a very
difficult time for our family financially. Making our six hundred dollar a month
health insurance payment was enough to sink us and, to add insult to injury, our
prescriptions were not included in this unreal price tag. Not having
prescription coverage was not an issue for my husband because he was healthy and
rarely needed any medication, but that was not the case for myself and my son.
The first year of my son’s life was filled with illness after illness and, being
his mother, I got just about everything my son had along with him. Keeping the
two of us healthy and all of the prescriptions that I took on a daily basis
added up to a huge chunk of change that our family just did not have. At times
we went without medications or we were at the complete mercy of our doctor and
his samples stash.
During this time, I started doing some research on more affordable ways that we
could purchase our prescriptions without completely breaking the bank. Through
my research I discovered a few options that would help us afford our medicines
while still being able to make our other monthly expenses.
Communicate With
Your Doctor
If you are without prescription coverage, it is important to have a good
relationship with your doctor. Your doctor can truly be your greatest alley and
can help you in a variety of ways.
If your doctor starts you on a new prescription drug, there are a series of
questions you can ask to make sure you get the best deal.
Begin by asking your doctor if he has any free samples you can have to try the
medication. Explain your insurance situation and see if your doctor will offer
you the medication for free. If your doctor does not have any samples for you to
take home, ask him if if he could call the drug representative from that company
to send some samples to you. These drug representatives stop in regularly to
restock their supply and are happy to get more clients under their belt. This
can be a win-win situation for all the parties involved.
If samples are unavailable, ask your doctor if you can have a “trial
prescription” so you can buy fewer of the tablets at first. This can be a good
way to find out if a medication will work for you and also to see if you can
tolerate any nasty side effects. If the drug does not work for you, you will not
have invested in a month’s supply that you will be unable to use.
There are also specific questions that you can ask about the medications you are
taking. For example, ask your doctor if there is a generic equivalent to the
medication you are taking because you are exploring less expensive alternatives.
If there are no generic equivalents to this medication, you can also ask about
over-the-counter (OTC) medications. Sometimes there are OTC medications you can
take that will achieve the same results as the actual prescription drug.
Another question you can ask is if you could buy a double dosage of the
medication, in pill form, and split the tablets in half for your regular dosage.
There are many prescriptions you can purchase that can easily be halved. This
can result in a fifty percent savings on your medication.
Your doctor may also know about specific aid from the drug manufacturer. Many
prescription companies have programs to give medications to patients who have no
way to pay for their prescription drugs. Programs vary from manufacturer to
manufacturer, but all require your doctor to submit the application for you.
Explore this route with your doctor and see what the company requirements are
and if this type of aid is available to you & your family.
Finally, check in yearly with your doctor to see if cheaper versions of your
medications have become available. Many of us review our bills and insurance
policies yearly, so add this to your agenda and you may reap the rewards of a
few dollars saved.
Buy Online
Online stores can offer a lot of savings for their customers, particularly
Canadian pharmacies where drug prices are much cheaper (savings of up to half on
many prescriptions). Whether you buy American or not, you
must
make sure that you research the company well to ensure that the company is not a
fake.
Examples of things to look for are a toll free number, real operators who answer
their phone, a physical company address, and a secure website to do your
shopping. You will also want to make sure the pharmacy is approved by the
organization that governs the state/country where the pharmacy is located.
State Assistance
Make sure to investigate what your state offers in assisting with the cost of
your prescription drugs. These programs are typically available to the elderly,
disabled, and low-income families. You can obtain information about these
programs through your state’s website or by calling the office of your state
senator or representative.
Additional
Resources:
These are a few sites that you can check for additional information, for free,
on medical assistance programs:
Needy Meds (www.needymeds.com)
is designed to provide information about patient assistance programs
which provide no cost prescription medications to eligible participants.
Rx Outreach (www.rxassist.org)
is a new Patient Assistance Program developed by Express Scripts
Specialty Distribution Services, Inc. (ESSDS). The program provides qualified
low-income individuals and families with access to generic versions of brand
name medications.
Helping Patients (www.helpingpatients.org)
brings together America’s pharmaceutical companies, doctors, patient advocacy
organizations and civic groups to help low-income, uninsured patients get free
or nearly free brand-name medicines. Its mission is to increase awareness of and
enrollment in existing patient assistance programs for those who may be
eligible. Through this site, Helping Patients offers a single point of access to
more than 275 public and private patient assistance programs, including more
than 150 programs offered by pharmaceutical companies
Partnership for
Prescription Assistance
(www.pparx.org)
brings together
America’s pharmaceutical companies, doctors, other health care providers,
patient advocacy organizations and community groups to help qualifying patients
who lack prescription coverage get the medicines they need through the public or
private program that’s right for them. Many will get them free or nearly free.
Its mission is to increase awareness of patient assistance programs and boost
enrollment of those who are eligible.
Together Rx Access (www.togetherrxaccess.com)
is a card that
has been created to help qualified individuals and families without prescription
drug coverage to save on brand-name prescription drugs and other prescription
products, as well as save on a wide range of generic drugs. This card is
available to those who are ineligible for Medicare, have no prescription drug
coverage (public or private), and families who meet certain income requirements.
This program is only available to legal US residents.
The sites above are your best bet for finding this information, but do not be
afraid to ask your doctor, the drug company, or your pharmacy about assistance
programs. You will find there are great savings in simply asking and exploring
for cheaper alternatives.
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Author Bio:
Amy Allen Clark
is a stay-at-home
mother of a three year old son and is expecting their second child in December. She is founder
and creator of
www.momadvice.com. Her web site is geared towards mothers who are seeking
advice on staying organized, living on a budget, and for those seeking
work-at-home employment. The author resides in Granger, Indiana and her hobbies
include reading, writing, cooking and cake decorating. Please visit her web site
for more information on these various topics for mothers and be sure to join the
forum where your opinions and ideas count. Please visit her web site for more
information on these various topics for mothers.
