Saving on Prescriptions: Generics, Mail Order, and Discount Programs

Start with the formulary

Ask whether a generic or preferred brand sits on a lower tier. A therapeutically equivalent generic can cut costs dramatically.

Mail-order 90-day supplies sometimes reduce copays for maintenance medications — check your plan's pharmacy benefit.

When discount programs help

Pharmacy discount cards and manufacturer assistance can help for cash-pay scenarios, but using them may not always count toward your deductible — ask the pharmacist how your plan treats the transaction.

For specialty drugs, patient-assistance programs and prior-authorization appeals can matter as much as the plan design.

Frequently asked questions

Do discount cards work with insurance?

Sometimes as an alternative to billing insurance. Compare both paths for your specific drug.

Is mail order always cheaper?

Often for maintenance meds, but not always. Compare 30-day retail versus 90-day mail for your plan.