How to Save Money on Prescriptions in Kentucky

How to Save Money on Prescriptions in Kentucky

Prescription costs can add up fast, especially if you’re on a fixed income. The good news is that there are several ways seniors in Kentucky can save money on their medications without skipping doses or going without. Here are some simple and effective ways to cut your prescription costs.

1. Use a Prescription Discount Card

Discount programs like GoodRx, SingleCare, and ScriptSave WellRx can lower the cost of many prescriptions. In some cases, they offer prices that are even better than your insurance copay. These cards are free to use and accepted at most pharmacies in Kentucky. Just show the card or app at the pharmacy counter to see if a cheaper price is available.

2. Check for Medicare Extra Help

If you’re on Medicare and have limited income and resources, you may qualify for Extra Help, a federal program that lowers the cost of prescription drug plans. It can reduce or eliminate premiums, deductibles, and copays. You can apply through the Social Security website or by calling 1-800-772-1213.

3. Ask About Generic Alternatives

Always ask your doctor or pharmacist if a generic version of your medication is available. Generics work the same way as brand-name drugs but usually cost much less. In some cases, you can save up to 80 percent by switching.

4. Compare Pharmacies

Not all pharmacies charge the same amount for the same medicine. Prices can vary more than you’d think. Call around to a few local pharmacies, including big box stores and smaller independent ones, to find the best price. You can also use websites or apps to compare costs before you go.

5. Get a 90-Day Supply

If you’re taking a medication long-term, ask about getting a 90-day supply instead of 30 days. This often reduces the cost per pill and means fewer trips to the pharmacy.

6. Use a Mail-Order Pharmacy

Some Medicare drug plans and private insurers offer mail-order pharmacy services, which can be cheaper than filling prescriptions in person. This can also be helpful if you have trouble getting to the store regularly.

7. Look Into Kentucky-Specific Help

The Kentucky Prescription Assistance Program (KPAP) helps people who cannot afford medications by connecting them with manufacturer assistance programs. To learn more, visit kpap.uky.edu or call 1-800-633-8100.

Do not be afraid to ask your doctor directly if there is a cheaper way to get the medicine you need. Sometimes, just starting the conversation can lead to major savings.