7 ways to reduce your medication costs 1. Go generic. Bypassing a brand-name prescription drug can save up to 80 percent. 2. Know your coverage. Each insurance company has its own formulary — a tiered list of medications that its drug plan covers. Generally, the higher the tier, the higher the copay. So check the tier level when you get a prescription and ask your doctor if there's a drug in a lower tier that would work as well. Also, consider that an insurance plan with higher premiums may still save you money if copays or deductibles are lower. Rjclarity.com can help navigate you through the process and help you choose the right plan. 3. Order by mail. Many health plans offer this option.
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