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Cut Your Prescription Costs

With medical costs increasing, it's important to look for ways to reduce costs without jeopardizing any of the care that you are receiving. One place where you can usually reduce your costs is the amount you pay for prescription drugs. While the steps to save money are easy and painless, most people who don't pursue them were not aware they were available.

Here are a number of steps you can take to help reduce the cost of your prescription drugs:

1. Talk with your doctor.
Most people make the mistake in believing that the only way to reduce the cost of prescription drugs is to find cheaper ways to purchase them. While this is a legitimate step, it jumps ahead of some other opportunities that exist for reducing these costs. The first place to attempt to reduce the amount you pay for prescription medication is with your doctor.

When talking with your doctor, you want is verify that all the medications that you're currently taking are necessary. A large number of people continue to take prescription drugs even after the need for them has passed. Another important reason to talk about your medications with your doctor is that if you're taking several, they may be negating the effectiveness of one another. This can occur when you receive a number of different prescriptions from different doctors.

The easiest way to check on these issues is to take all your prescription bottles with you the next time you visit your doctor. You can also write a list of everything that you are currently taking. In addition to these, bring a list from your insurance company of all the medications they have approved. This will allow the doctor to prescribe a medication that is on the list to save you money when there are several alternatives that are all equally effective.

2. Switch to generic.
The Food and Drug Administration requires that generic drugs have the same effectiveness as the brand-name prescription drug, which makes them a legitimate alternative for certain ailments. You can save hundreds of dollars a year in prescription costs if you can switch from a brand name to a generic equivalent. This is especially true for drugs that you have been taking a long time. A generic equivalent may not have been available when you first started taking the prescription, but may be available now.

You can also do research on certain prescription medications before going to the doctor at crbestbuydrugs.org. This site is run by the same nonprofit organization that publishes Consumer Reports magazine. They evaluate prescription medicines on effectiveness, safety and cost and give recommendations on the prescription medications that give the best value for the money. By doing a bit of research before you visit your doctor, you'll be able to ask appropriate questions about the possible alternatives to your current medications.

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