How to get help paying for prescriptions
If your medications cost too much, patient assistance programs, discount tools, and community clinics can bring the price way down — sometimes to little or nothing.
Key takeaways
- Patient assistance programs offer free or low-cost medicine to those who can't afford it.
- Free discount cards or apps can beat the cash price at the pharmacy.
- Generics and community health centers can dramatically cut costs.
- Always ask the pharmacist if there's a cheaper way to get your medication.
Skipping or stretching medication because of cost is common — and risky for your health. Before you cut pills in half or go without, know that there are several ways to lower what you pay, whether or not you have insurance.
Ways to cut prescription costs:
- Patient assistance programs (PAPs): many drug makers offer free or low-cost medicine to people who can't afford it
- Prescription discount cards and apps: free tools like GoodRx can beat the cash price at the pharmacy
- Generic versions: ask your doctor or pharmacist if a lower-cost generic works for you
- Community health centers: federally funded clinics offer care and medications on a sliding scale based on income
- 340B pharmacies: some clinics and hospitals offer deeply discounted drugs to eligible patients
Helpful places to search:
- NeedyMeds and RxAssist list patient assistance programs by medication
- Your pharmacist can compare prices and flag discount options on the spot
- 211 can point you to local clinics and medication-assistance resources
A few smart habits help too. Always ask the pharmacist, 'Is there a cheaper way to get this?' — the discount price is sometimes lower than your insurance copay. Compare prices between pharmacies, since they can vary a lot for the same drug. And if a medication is truly out of reach, tell your doctor; they may know a lower-cost alternative or a program that fits your situation.
Your health is worth protecting. These programs exist so that cost doesn't force you to choose between your medicine and your other bills.
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Related FAQs
Common questions about this topic, answered simply.
How do patient assistance programs work?
Many drug manufacturers run programs that provide their medications free or at very low cost to people who qualify, usually based on income and insurance status. You can search for a specific drug's program on sites like NeedyMeds or RxAssist, or ask your doctor's office for help applying.
Can I use a discount card if I have insurance?
Yes, but you generally can't combine them on the same purchase. Sometimes the discount price is actually lower than your insurance copay, so it's worth asking the pharmacist to check both and use whichever is cheaper for that medication.
What if I can't afford my medication at all?
Tell your doctor and pharmacist — they may switch you to a lower-cost generic or alternative, or connect you to a patient assistance program. Community health centers also provide medications on a sliding scale based on your income. Never simply stop taking a prescribed medicine without talking to your provider.
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