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Find a health plan with prescription drug savings

Customers have an average prescription drug savings of $1, 650 per year.

Our average customers saves $1, 650

Find Plans Now

Save money on all types of prescription drugs

Here are the top prescription drugs in America.

  • Duloxetine30 capsules, 60 mg

    price with health plan

    with a health plan

    $5

    retail price: $45

  • Hydroxychloroquine30 tablets, 200 mg

    price with health plan

    with a health plan

    $5

    retail price: $79

  • Lantus Solostar1 pen, 100 unit/mL (3 mL)

    price with health plan

    with a health plan

    $31

    retail price: $77

  • Crestor30 tablets, 10 mg

    price with health plan

    with a health plan

    $40

    retail price: $258

(Prices listed are starting rates, and may vary based on individual circumstances.)What are prescription drugs? According to the FDA, prescription drugs are prescribed by your doctor and purchased at a pharmacy. They differ from over-the-counter (OTC) drugs because OTC medications do not need a doctor's prescription.

Enter your drugs

How can I save on prescription drugs

It has never been easier to calculate and compare your prescription drug savings.

  • Enter your prescription drugs

    Enter the name of each drug and the dosage that you are currently taking.

  • We calculate your savings

    We compare the estimated copayments/coinsurance of each plan available to you.

  • Compare & apply

    We'll show you a list of health plans sorted by prescription drug savings.

Enter your drugs

Prescription drugs are a critical component of healthcare for millions of Americans. From treating chronic conditions to fighting acute illnesses, prescription medications play a vital role in maintaining and improving our health. However, the cost of prescription drugs can be a significant burden for many people, especially those without insurance or those with inadequate prescription insurance coverage.

Fortunately, there are many options for obtaining prescription drug coverage. Learn more about how prescription drug insurance works and how prescription drugs are typically covered by different types of insurance plans, including ACA, short-term, and other common insurance plans.

Types of Insurance that Cover Prescriptions

Most insurance plans, including ACA (Affordable Care Act) plans, short-term plans, and employer-sponsored plans, provide coverage for prescription drugs.

Stand-alone prescription drug coverage is also available for those who need it. In general, prescription drug coverage works similarly to other forms of health insurance, with varying levels of coverage and cost-sharing based on the specific plan.

Types of Prescription Drugs that are Usually Covered

Most prescription drugs are covered by insurance plans, including those used to treat chronic conditions such as diabetes, hypertension, and asthma, as well as those used to treat acute illnesses like infections and injuries. However, some medications may not be covered by certain plans or may require prior authorization or step therapy.

You may be able to buy other medications, but only if they are on your health plan's formulary list, which lists approved medications and their prices.

To find out which prescriptions are covered through your new Marketplace plan, review the Summary of Benefits and Coverage (SBC) you received from your insurer. This document is available on your insurance company's website or in your detailed plan description in your Marketplace account.

Contact the company directly with any questions about coverage. You can also call the customer service number on your insurance card or listed on the company's website.

Savings on Prescription Drug Costs

Prescription drug coverage can help with paying for prescriptions for individuals and save significant amounts on their medication costs. With insurance coverage, patients are typically only responsible for a portion of the cost of their prescription drugs, with the insurance plan covering the rest.

Additionally, many plans offer copay assistance programs or other forms of financial assistance to help patients with out-of-pocket costs.

Pharmacies that Accept Prescription Drug Plans

Most pharmacies accept prescription drug plans, including chain pharmacies such as CVS and Walgreens, as well as local independent pharmacies. However, it's always a good idea to check with your insurance plan to make sure that a specific pharmacy is in-network and to verify the cost of your prescription drugs.

What if you're at the pharmacy, and your plan no longer covers your prescription?

Some plans may offer a one-time refill of your prescription. However, it's important to ask your insurance provider if they offer this so you can discuss next steps with your doctor. Otherwise, you'll need to follow your insurance company's drug exceptions process. This process allows you to get a prescribed drug that's not normally covered by your health plan.

Generally, you can get your prescription drugs covered through the exceptions process; your doctor would need to confirm to your health plan that the prescription is appropriate for your medical condition.

If you don't get the exception, your health plan typically will treat the prescription drug as covered and charge you the copayment that applies to the most expensive drugs already covered on the plan, as well as any amount you pay will typically count towards your deductible or maximum out-of-pocket limits.

Pros and Cons of Prescription Drug Coverage

The main advantage of prescription drug coverage is that it can significantly reduce the cost of prescription medications, making them more accessible and affordable for patients. Additionally, prescription drug coverage can provide peace of mind for those with chronic conditions who require ongoing medication.

However, the cost of prescription drug coverage can vary widely depending on the plan, and some medications may not be covered by certain plans. Additionally, some plans may require prior authorization or step therapy, which can delay access to necessary medications.

Prescription drug coverage is an important component of healthcare for millions of Americans. By providing coverage for prescription medications, insurance plans can help patients save money and ensure access to necessary medications.

Whether you're shopping for stand-alone prescription drug coverage or looking for a comprehensive health insurance plan that includes prescription drug coverage, it's important to understand how affordable prescription drug insurance works and to choose a plan that meets your needs and budget.