Don’t have health insurance? Where to find discounts on prescription diabetes medications online. Free discount card saves money on most diabetic medications.
Diabetes is not only one of the nation’s fastest growing epidemics, it is also easily one of the most expensive diseases to treat with modern medicine. With the rising cost of health insurance, many diabetics that are not old enough to qualify for Medicare coverage are simply dropping their coverage and paying their health care costs directly.
Fortunately, the majority of Type 2 diabetics can be treated with prescription drugs that can be bought in generic form at relatively reasonable prices in the United States. Major pharmacies such as Walmart, Costco and Target sell generic drugs that treat diabetes for as little as $3-4 per month. There are cases where a Doctor will prescribe drugs (such as Byetta, Avandia or Galvus) for which there is no generic substitute available though. These drugs can end up being quite expensive. With no health insurance, or for those that are underinsured, finding a way to afford these “brand name” drugs can be quite difficult in today’s tough economic times.
In order to address this problem, a number of new companies have sprung-up in recent years that offer prescription drug discount plans. Although these plans are definitely not equal substitutes for having health insurance, for those who do not qualify for any other type of assistance these programs can actually save consumers a significant amount of money. Generally, the key is finding the right program, coupon or service and finding a pharmacy that will accept them.
Until the past 1-2 years, most prescription discount plans charged a fee to belong to their program. To make matters worse, many diabetics paid for these programs only to find out later that the particular drugs they used were not covered or that the nearest pharmacy that participated in the program was hundreds of miles away. To put it bluntly, many of the early programs were quite simply scams.
Fortunately, increasing competition for the attention of those without health insurance seems to have forced the industry into reforming itself, and today most plans charge no fees, are accepted almost everywhere and cover the majority of medications that diabetics take regularly.
So, how is it that these companies are able to offer discounts on prescription drugs for free and still make money? The answer is fairly simple. Drug companies are eager to get consumers to use their drugs, rather than those of the competition. Whichever drug company can get you “hooked” on their medication first stands to make the most money. So, many drug companies have struck deals with these providers to promote their products and offer the discount as an incentive to consumers to try them. In some cases, the discounts may only be used on new prescriptions. In others the discounts are ongoing as long as the consumer remembers to use their discount card or coupon when shopping.
For diabetics who do not have health insurance and do not qualify for any sort of financial aid or insurance from state or federal agencies, using these free programs is one of the easiest ways to save money on your prescriptions. They will rarely be as cost effective as switching to a generic drug though. So, if you are looking to save money on your health care expenses, it makes sense to ask your Doctor first if you can be treated with a generic drug for your diabetes instead.
Below are links to a couple of free prescription discount providers that we have found to be reliable and that offer some good deals on occasion. If you are a diabetic already paying for name brand prescription medicine, you really have nothing to lose by trying these programs out. If you have any suggestions for additions to the list, please drop us a note via our contact page.
Quality Health: Offers free samples of prescription and non-prescription medications based on your answers to health survey questions. They do not generally offer ongoing discounts, but are a good, free source of samples for new medications and health products for diabetics.