My doctor prescribed an expensive drug and even with my Part D coverage, I have to pay a lot of the cost out of pocket. What can I do to pay less?

My doctor prescribed an expensive drug and even with my Part D coverage, I have to pay a lot of the cost out of pocket. What can I do to pay less?
In order to pay less for prescription drugs, we offer three suggestions.

Alternative Prescription Drugs

One option is inquire with your practitioner about using generic drugs. You could also ask your doctor about using a therapeutic alternative that costs less.

Preferred Pharmacies

Many insurers keep preferred pharmacy lists. By ensuring that you are using a pharmacy on your insurer's list, you often receive cheaper co-pays.

Switching Plans

It is always a good idea to compare out-of-pocket expenses in different plans regularly. The best time for this process is in the fall during open enrollment. Some of the restrictions to watch for include:

  • The requirement of prior authorization from a doctor before the insurer will accept payment for a prescription
  • Step therapy, or the requirement of trying less costly drugs first

Need Help Finding a Medicare Plan?

For help finding a Medicare plan or Medicare Prescription Drug plan, try our Medicare Plan Finder. If you have any questions, please contact Medicare at any time at 1-800-MEDICARE (1-800-633-4227; TTY users 1-877-486-2048). In order to pay less for prescription drugs, we offer three suggestions.

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My doctor prescribed an expensive drug and even with my Part D coverage, I have to pay a lot of the cost out of pocket. What can I do to pay less?