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Purchasing Prescription Medications Without Insurance

I am without prescription medication coverage while I wait to hear back from my employer's insurance provider and I need to get a 30-day supply of my four daily medications. If you are or have ever been without insurance, you know how expensive (and sometimes scary) my situation can be.

I did some sleuthing today to compare costs between different retailers and I want to pass on my results because I know I am not alone amongst my peers in being in this situation. Your results will, of course, vary depending on medications.

comparison table

While Costco was the cheapest for initial costs by between $100 & $200 dollars a medication, I ended going with Target. They have a program for uninsured customers dropping their total by over $100. The discount brought them within $3 of Costco, so I filled there and saved myself a trip to the 'burbs. All Target needed for the program was my phone #.

Walgreens has a $20 yearly membership that reduced their initial cost (the highest) by $200. I might end up using this method once I am insured. Another option is Costco's mail order... Some mail-order-prescription retailers will sell a 90-day supply of medication for the cost of a 60-day supply.

Costco, sadly, was the second highest cost. I think this is unfortunate considering I often see their pharmacies in the poorest neighborhoods.

The manufacturers of many popular medications have one-use trial offers to get a free 30-day supply, often by providing basic contact info and printing a coupon. One medication I formerly used had a free starter pack which was a big bonus because you needed to increase the dosage three times over the course of 30 days and three 10-day prescriptions almost invariably will cost more than one 30-day supply. I was able to print a voucher for a free 30-day supply of my most expensive medication, so I will save over $300 dollars off this month's expenses. HUGE.

The Partnership for Prescription Assistance couldn't help me, but could be of great use to others. They do have a page of discount drug cards/programs. I am printing some off to see if they can also help, at least during this no-insurance period.

What experiences have you had? Any lessons you can pass on?

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