How to Find the Cheapest Cash Price for a Prescription

Prescription prices vary wildly between pharmacies. A month's supply of the same drug can cost double at one chain than another, or triple at an independent pharmacy.

If you're paying cash or your insurance won't cover a medication, comparing prices before you fill is the fastest way to cut costs.

Start with price comparison tools

Use free tools to check cash prices across pharmacies in your area:

• GoodRx searches prices at major chains and independents. You get a coupon code for each pharmacy and price.
• SingleCare shows prices and available discounts, and works at most major pharmacies.
• RxSaver aggregates prices from pharmacy chains and smaller dispensaries.
• Prescription discount cards from your pharmacy or workplace sometimes beat advertised prices.

Type in your medication and dose, then compare. The difference between the cheapest and most expensive option is often 40 to 60 percent.

Stack manufacturer coupons and programs

Many drugmakers offer copay coupons or patient assistance programs:

• Check the manufacturer's website for the drug name plus "coupon" or "assistance."
• Coupons usually cap your out-of-pocket cost, sometimes to zero.
• Assistance programs may cover the full cost if you meet income limits.

Check independent pharmacies

Chains set prices nationally. Independent pharmacies sometimes price lower on specific drugs, especially generics. Call a few in your area.

Buy in bulk if the price allows

A 90-day supply sometimes costs less per dose than a 30-day fill. Do the math before you commit.

Use your insurance if it's cheaper

Compare the cash price against your insurance copay. Insurance wins sometimes, especially for brand-name drugs on a preferred formulary.

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