How To Save On Prescription Medications

Disclosure: This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #LifeInCheck #CollectiveBias (LifeInCheck™ is brought to you by Inmar, a data and technology analytics company. Over the past 15 years, Inmar has created relationships with brands and retailers to provide consumers with the lowest price on prescribed medications.)

Groceries or medicine? Lights & heat or medicine? That’s the predicament I was faced with for a six month period of time when our insurance company refused to pay for my youngest’s medicine. This was medicine he needed so I had to pay for it out-of-pocket while I dealt with insurance. One of the medicines wasn’t that expensive, just $20/month but the other wasn’t cheap- the generic version of the second medication cost $250 each month meaning I had to find an extra $1500 to pay for it.

I know my situation is not unique. Many families who are underinsured, uninsured or have a high deductible insurance plan, have to pay for medications out-of-pocket. For families who have chronically ill loved ones or children who have special needs, this can cost hundreds, if not thousands, of dollars each month.

The stress of having to figure out how these prescriptions will be paid for can completely overwhelm someone. I know when I was dealing with this it was stressful figuring out where I could cut corners in our already tight budget. If we were in that situation now, having additional allergy and asthma medicines to purchase for myself and my son on top of the medications he was already taking, there is no way we’d be able to afford it all.

Recently though, I learned about the LifeInCheck™ Prescription Drug Plan that seems like a lifesaver for families. The LifeInCheck™ plan is not A Medicare Prescription Drug Plan or insurance but this plan gives individuals with High Deductible Health Plans or who are underinsured or uninsured, access to affordable prescriptions! The plan has 175+ prescriptions that are available at no cost & up to a 90% discount on other prescriptions. Their no cost prescriptions include 40 of the 100 most common prescriptions in the US, including certain medications for high blood pressure, antibiotics, mental health and more. (The one medication my son and I take for breathing problems is free with LifeInCheck™!)

There are two subscription options: $14.95/mo to cover all members of the household OR $149.95/yr to cover all members of a household. Since LifeInCheck™ members save an average of $64 per prescription, their monthly savings more than covers the subscription cost making this a really smart deal! Checking out the prescriptions my family needs on a monthly basis we would save way more than that. That $250 I was paying out-of-pocket for the one medicine each month would have cost only $63.91 with LifeInCheck™. One month savings alone on that one medication would pay for a year membership and some extra groceries for my growing boys. The total saved over that 6-month period on the one prescription alone would have paid my monthly mortgage!

The LifeInCheck™ website has more information about the plan, including an easy to use search function that lets you search and compare prices to help you find the lowest price at a pharmacy near you. There is also a feature that allows you to search your drug and see if there are any less expensive alternatives to your prescribed drug. You can then take this to your doctor to ask if you could use the alternate instead (for example, sometimes Doctors prescribe brand-name drugs when a generic could be taken instead which allows the patient to save money).

LifeInCheck™ offers a free 30-day trial so it’s worth it to check it out and see how much your family could save on prescriptions each month. Once you sign up you just print the card and bring it to the pharmacy (or you can show the card on your phone if you prefer). There are over 54,000 pharmacies that accept the LifeInCheck™ card and I was pleased to see the Walgreens down the street from me is one of them.

I hope that this information has helped you find a way to save on medications your family needs! Click the button below to access your free trial and please share this post with your loved ones and friends who would appreciate saving money on their monthly prescriptions.