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How to Save Money On Prescriptions Without Insurance


save on prescriptions

For most of the last few years, we’ve had to find creative ways to save on prescriptions. My fella takes a few prescriptions every day and they are not cheap! (

For most of this time we either haven’t had insurance that covers prescriptions or we’ve had such a high deductible that it doesn’t really make a difference.

Here are a few things we’ve done to save on prescriptions:

Call Around For Prices

I had always heard this advice, but didn’t think it could really make that much of a difference. Wrong.

When I was facing a massive bill to pay for prescriptions without insurance, I was pretty motivated to find a cheaper way.

For one prescription, I found prices that were $100/month, $230/month, and $90/3 months!

Guess which option we went with. And that cheaper price came from a local “mom & pop” pharmacy, not from a big chain pharmacy. I was pretty amazed.


Check Walmart’s Generic $4 List + Ask Your Doctor To Work With You

Walmart has a list of common drugs that you can get for $4/month. Even if you have insurance, this price might be a lot cheaper than what you would pay at any other pharmacy.

We asked our doctor to help us out so that we could use the $4 list. My fella needed 40mg of a certain prescription. Well, the 20mg version was on the $4 list, but for 40mg you had to pay significantly more because it wasn’t on the list. Our doctor prescribed a double dose of the 20mg pills so that we could get the cheaper price. It ended up being $8 a month and he had to take two pills a day instead of one, but we saved a lot of money.

Research Warehouse Stores

Most warehouse stores, like Sam’s Club and Costco, offer their members a great price on prescription drugs.

We are currently filling my fella’s prescriptions at Sam’s Club. If you pay extra for a Plus membership, they have a list of over 400 common prescriptions that are $4-10 a month.

Even with factoring in the price of the Plus membership, we are paying less for his prescriptions at Sam’s Club than we would anywhere else.

Because of the crazy-high deductible on our insurance, we just pay the Sam’s Club price out-of-pocket instead of going through our insurance for the medicine.

⇒ What ways have you saved on prescriptions?

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Ways to save money on prescriptions if you don't have insurance, or if you have a high deductible. Great ideas to try!

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Mel @ brokeGIRLrich

Sunday 15th of May 2016

Those are great ideas! I hadn't had a prescription in ages until I just wound up with a whopping sinus infection and some antibiotics. $35 is kind of a lot - especially if I needed them regularly!


Sunday 15th of May 2016

Thanks Mel! It can get so expensive!

Erin | A Welder's Wife

Monday 9th of May 2016

We actually switched from Walmart to CVS, and have noticed significant savings! Plus, they aren't as busy (at least this location) and open 24 hours a day which saves us time and money. However, I didn't realize prescriptions could vary in price as much as you've stated, so I may do some shopping around now! Great post!


Monday 9th of May 2016

Thanks Erin! I hope you find some better prices if you do some looking!


Monday 9th of May 2016

These are great tips! While I am still on my parent's insurance, this is really good info in case I don't have insurance in a couple years!


Monday 9th of May 2016

Thanks Amanda! It's always good to learn a little so you know your options for when you go off of your parents' insurance.