Lifestyle
How to Cut Medication Costs Without Cutting Corners
Last Updated on October 1, 2025 by Daily News Staff
How to Cut Medication Costs Without Cutting Corners
A health care insider shares tips for staying well and financially grounded, even in a tough economy
(Family Features) As the cost of living continues to rise, many Americans are being forced to make difficult financial decisions – weighing whether to pay rent, get groceries or fill prescriptions. Skipping medications might seem like a quick way to save money, but this can lead to serious health risks and even higher costs down the road.
In fact, research shows 27% of Americans skip prescriptions each month due to cost. More than half of Americans who filled a prescription this year said the cost felt like a financial burden, with 1 in 3 people cutting back on essentials like food or clothing to afford their medications.
These trade-offs highlight just how important it is to find practical, affordable ways to stay on treatment. Fortunately, there are proven strategies to help individuals stay current with their medications without breaking the bank. Cindy George, MPH, a senior personal finance editor at GoodRx and nationally recognized health journalist, shared expert advice to help consumers and their families improve their health care cost literacy, reduce expenses and stay healthy without overspending.
Understand the True Cost of Medications
Many people assume the pharmacy counter price is non-negotiable, but in reality, the cost of the same medication can vary significantly depending on the pharmacy or use of available savings tools.
“Many people don’t realize there is no single price for a prescription,” George said. “Costs can vary by upwards of $100 from one pharmacy to the next, even in the same ZIP code. Understanding how to compare prices and find the most affordable option is incredibly valuable. Just like travel sites show you different options for airlines or hotels and their associated expenses, prescription price comparison sites show how much your medication costs at each pharmacy and provide you with available savings.”
By entering the medication name, along with dosage and ZIP code, individuals can quickly compare prices in their area using GoodRx. Using the website or app, you can explore alternative forms of a medication and get suggestions to help you talk with your doctor or pharmacist about more affordable options.
When Insurance Falls Short, You Still Have Options
Today, only about half of all prescriptions are fully covered by insurance without restrictions. Many have conditions, such as step therapy, quantity limits or prior authorizations, that can lead to delays or higher costs at the pharmacy counter.
“Even insured individuals are struggling to keep up with health care costs,” George said. “More and more are finding themselves underinsured, and that’s making basic health care harder to afford – and harder to access – for millions of families.”
That’s why comparison shopping is increasingly important for people in the U.S. Even those with Medicare or Medicaid may benefit from cost comparisons. For that reason, George said it’s smart to look at all your options, including price comparisons at different pharmacies.
“Cost comparison tools can help people find lower prices on both generic and brand-name medications, regardless of their coverage status,” she said.
While these resources are not a full replacement for health insurance, they can be a helpful way to reduce medication costs and avoid unexpected surprises at the pharmacy.
Build Confidence Through Cost Literacy
Cost literacy is about more than just looking up prices. It involves understanding how insurance works, what’s included in a plan’s formulary, how to interpret billing documents and how to challenge costs that seem too high. According to George, “health care cost literacy” is one of the best investments you can make in your overall financial well-being.
“Improving your health care cost literacy starts with being aware of your options and asking the right questions,” she said. “Learn the basics, like what a premium, deductible or copay means, and review your insurance plan’s benefits and covered medications.”
George recommends starting with trusted tools that break down health care costs and terminology.
“Tools like the GoodRx Guide to Drug Costs, Coverage and Savings, cost estimators from hospitals and insurance plans and State Health Insurance Assistance Programs – known as SHIPs – for Medicare can help you better understand and manage costs,” she said. “If something is unclear, don’t hesitate to ask your provider, pharmacist or insurance representative to walk you through your bills or Explanation of Benefits.”
Simple Strategies Can Add Up
Small adjustments in how medications are filled can make a major difference over time. George recommends a few consistent strategies that can reduce out-of-pocket costs:
- Always compare prices, including your insurance copay. “People assume their insurance copay is the best deal for accessing a medication at the lowest cost, but that’s not always true,” George said. “It’s important to compare prices upfront to ensure you’re taking the most affordable option.”
- Uncover brand-name savings programs. Many pharmaceutical companies offer copay cards or patient assistance programs that can dramatically reduce your costs for brand-name or specialty medications.
- Explore generic medications, if available. Generic medications typically cost less than their brand-name counterparts. Check with a health care professional before opting for a generic, because there might be specific reasons the brand-name version was prescribed.
- Consider a 90-day supply. For chronic conditions, ask a health care professional whether you can switch from a 30-day supply of medication to a 90-day supply, since this is often cheaper per dose.
- Try delivery. Ordering through a mail-order pharmacy can add convenience and, in many cases, offer lower prices, particularly for ongoing prescriptions.
Stay Grounded in Your Health – and Your Finances
Rising health care costs can feel overwhelming, but knowledge and planning go a long way. By building confidence through cost literacy, comparing prices and using tools to explore savings opportunities, consumers can remain in control of both their care and their budgets.
Visit GoodRx.com to explore options, compare prices and take more control over your medication costs.
Photos courtesy of Shutterstock
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How Invasive Pests Spread and How You Can Help Stop Them
(Feature Impact) Invasive pests can hide in places you’d never expect, and once they spread, they can destroy the trees, plants and food people rely on every day. These pests pose a serious threat to agriculture, forests, ecosystems and the food supply. Many invasive species cannot travel far on their own; instead people unknowingly move them from place to place.
According to the U.S. Department of Agriculture’s Animal and Plant Health Inspection Service, invasive pests hitchhike on everyday items such as plants, produce, firewood, vehicles and outdoor equipment. That makes many common activities – from traveling and online shopping to camping and gardening – potential “pathways” for invasive pests to move and reach new areas. Understanding these pathways is the first step to stopping pests before they spread.
Traveling Abroad
When you travel abroad and return from another country, the agricultural items you bring back can introduce new invasive pests into the U.S. and threaten crops or trees that have no natural defenses against them. Even harmless-looking fruit, seed packets or souvenirs made with plant materials can carry pests such as fruit flies and diseases like citrus canker. That’s why it’s critical travelers declare food, plants and other agricultural products when entering the country from abroad.
Shopping Online
Just because you can order seeds and plants from sellers around the world, it doesn’t mean those items are legal or safe to import. In fact, some invasive snails and plant diseases have entered the U.S. this way. Many agricultural products from overseas require permits, inspections or special paperwork before they can enter the country. Buyers should check where an item ships from, learn the import requirements before purchasing and make sure sellers follow all labeling and shipping rules.
Partaking in Outdoor Activities
When you spend time outdoors hiking, camping, hunting or fishing, you could inadvertently spread invasive species. For example, transporting firewood from one location to another can spread tree-killing insects, such as the emerald ash borer, which can live inside the wood and emerge later in a new area. The safest choice is to buy or use firewood where you burn it. Additionally, clean all outdoor clothing, gear, equipment and vehicles before leaving an area.
Moving Outdoor Equipment
When you move to a new home, your move can create another opportunity for invasive insects to travel. Before relocating patio furniture, grills, trailers or lawn equipment, inspect and clean them carefully. Look for insects, plant debris and egg masses like spotted lanternfly egg masses, which can blend into outdoor surfaces and look like smears of mud or clumps of dirt. A few minutes of checking and cleaning before you move can help prevent pests from invading your new neighborhood.
Invasive pests cost the U.S. billions of dollars every year and damage forests, farms, parks and backyards. Stopping invasive pests starts with simple steps anyone can take: checking what you pack, clean, move and buy. When everyone does their part, fewer pests spread and communities stay healthier and more resilient.
Visit aphis.usda.gov/hungrypests to learn more about how invasive pests spread and the simple steps you can take to help stop them and protect America’s agriculture and natural resources.
Invasive Pest Protection Checklist
- Declare all food, plants and agricultural items when returning from another country.
- When ordering items online, check where the products ship from and verify U.S. import rules before buying.
- If you’re camping, buy firewood where you plan to burn it. Clean clothing, gear and vehicles before leaving.
- Before moving to a new home, inspect outdoor furniture and equipment, looking closely for egg masses or insects.
Content courtesy of USDA.
SOURCE:
United States Department of Agriculture
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Lifestyle
Get Your Kids Ready to Go Back-to-School with Affordable Health Coverage
Once school starts, life moves fast. There is homework, practices, permission slips, and early mornings. Before the calendar fills up, take a moment to make sure your child has affordable health coverage for the year ahead.
Get Your Kids Ready to Go Back-to-School with Affordable Health Coverage
(Feature Impact) Once school starts, life moves fast. There is homework, practices, permission slips, and early mornings. Before the calendar fills up, take a moment to make sure your child has health coverage for the year ahead.
Free or low-cost health coverage is available through the Children’s Health Insurance Program (CHIP) or Medicaid in your state for eligible individuals. With health coverage, your kids and teens can get the care they need to stay healthy and do well in school.
Think your family might not qualify? You might be surprised. Many families may qualify for coverage without realizing it! Eligibility varies by state and is based on family income and household size. In most states, children up to age 19 from a family of four earning up to $80,000 per year may be eligible. In some states, eligible children can still qualify if family income is even higher.
Getting your child covered helps you get them the health care they may need. When a child is sick, the right medicines help them get back to school. If a child has a tough time focusing, there are supports to help. If your child does not see as well as other children, these programs cover glasses. Healthy kids are confident kids, who are ready to participate in every opportunity inside and outside the classroom!
Why Health Coverage Belongs on Your Kids’ Back-to-School List
Having health coverage can help families, like yours, to send your kids and teens off to school ready to learn. Depending on the program and a child’s individual needs, Medicaid and CHIP can provide eligible kids up to age 18 (Medicaid) or 19 (CHIP) with a range of services to support their health all year long, such as:
- Annual checkups and school physicals to prepare children to learn, play, and participate.
- Preventive care to identify health needs early and keep children healthy throughout the year.
- Dental care to help prevent tooth aches, cavities, and missed school days.
- Vision and hearing services to support learning and classroom participation.
- Mental health care to support emotional well-being and school success.
- Prescription medications and treatment to help manage symptoms and stay on track.
- Specialized services for children with disabilities to support growth and learning.
How to Apply
You can apply for Medicaid and CHIP in many ways:
- By phone
- By mail
- In-person through your state’s Medicaid or CHIP office
- Or find your state’s information online at InsureKidsNow.gov/coverage.
Act now to get your child covered before they need health care. Enrollment for these programs is open year-round, meaning families do not have to wait for a specific time of year to get covered.
Once enrolled, coverage must be renewed every twelve months, so it is important to keep your address, email, and phone number up to date with your state Medicaid or CHIP office to avoid missing important renewal information. Visit InsureKidsNow.gov or call 1-877-KIDS-NOW (1-877-543-7669) for more information.
Information provided by the U.S. Department of Health & Human Services. This communication was printed, published, or produced and disseminated at U.S. taxpayer expense.
Photo courtesy of Shutterstock
SOURCE:
Centers for Medicare and Medicaid Services
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Lifestyle
Strong at Every Age: How Women Can Help Combat Muscle Loss
Combat Muscle Loss: Aging is inevitable, but losing muscle and mobility doesn’t have to be. Consider these tips to help women protect their muscle health.
Strong at Every Age: How Women Can Help Combat Muscle Loss
(Feature Impact) Aging is inevitable, but losing muscle and mobility doesn’t have to be. For many women, maintaining strength, independence, energy and mobility are top priorities as they get older, particularly as they deal with the mental and physical responsibilities that come with working, caregiving, keeping up with friends, hobbies and enjoying an active lifestyle.
In fact, 58% of women in the United States are actively focused on staying healthy as they age, according to a recent survey commissioned by Viactiv, a line of award-winning supplements for women known for their unique formats and flavors. However, 73% of respondents weren’t aware of sarcopenia, or age-related muscle loss. According to the “International Journal of Women’s Health,” age-related muscle loss often begins between ages 30-35, with women losing 3-8% of their muscle mass per decade and increasing to 5-10% loss per decade after age 60.
Hormonal changes, decreased activity levels, stress, poor sleep and inadequate nutrition can all contribute to the decline in muscle, which can also negatively impact balance, bone health, metabolism, posture and everyday mobility.
Yet, despite 70% of women reporting some level of concern about muscle loss, 54% are unsure how to protect their muscle health.
“Women want to stay strong, active and independent as they age, but many are getting mixed messages about what actually supports long-term muscle health,” said Dr. Tania Elliott, a dual board-certified physician in internal medicine. “A lot of women are already making healthy choices like walking and staying active, which is a great start. However, maintaining muscle health really requires a more complete approach, and one that starts earlier than most women think, which is in your 30s.”
Prioritize Strength Training
Many women report barriers such as lack of time (15%), feeling overwhelmed (23%) or simply not enjoying exercise (23%). The key is finding realistic, sustainable habits. While walking and cardio exercise aid in heart health, which 58% of survey respondents report already engaging in, strength training is one of the most effective ways to preserve and build muscle as you age. Still, just 34% of women report doing strength or resistance training.
You don’t need an intense fitness regimen to support healthy aging. Aiming for at least two strength-focused workouts a week – lifting weights, using resistance bands, practicing weight-bearing yoga or doing bodyweight exercises like squats and pushups – that target major muscle groups can help maintain muscle health. The goal is to fatigue your muscles during sets so they build.
Fuel Muscles with Proper Nutrition
Exercise is only part of the equation. Muscles also need proper nutrition to recover and stay strong. Protein plays a critical role in maintaining muscle mass, especially as women age. Incorporating high-quality protein throughout the day, such as eggs, Greek yogurt, fish, lean meats, beans, lentils, nuts and seeds, may help support muscle repair and overall strength.
Support Healthy Aging with Supplements
In addition to a balanced diet and exercise, some women may consider supplements that support healthy aging and energy production, including CoQ10, which is a naturally occurring antioxidant that helps cells produce energy. According to research published in “The Journal of Nutrition, Health and Aging,” because muscles require significant energy to function, CoQ10 shows potential for managing sarcopenia by improving mitochondrial function and reducing oxidative stress.
An option like Viactiv CoQ10 Cardio Complete, available in a tasty fruit-flavored chew, can help support heart health, muscles, nerve function and daily energy. Enhanced with vitamins D3 and K2, it provides daily essential nutrition for women without the need to swallow a large pill.
Practice Healthy Habits
Muscle health is influenced by more than workouts. Sleep, stress management and daily movement all play important roles. Adopting some simple habits, including prioritizing quality sleep, stretching regularly, staying properly hydrated, reducing sedentary time throughout the day and practicing stress-management techniques, like yoga, meditation or deep breathing, can help aid in healthy aging, including maintaining muscle.
The earlier women begin prioritizing muscle health, the better positioned they may be to maintain strength and mobility as they age. Visit Viactiv.com for more information and resources to help combat muscle loss.
Photo courtesy of Shutterstock
SOURCE:
Viactiv
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