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.
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(Feature Impact) Menopause is a phase of life every woman knows will come eventually yet few are truly prepared for. Beyond stereotypical symptoms like hot flashes and mood swings, the other realities of menopause can be mysterious, taking women by surprise when their experiences differ from expectations.
Rather than being a single event, menopause involves a gradual transition that happens as estrogen production changes – meaning symptoms can appear and evolve unpredictably. According to a survey commissioned by the National Menopause Foundation, 63% of U.S. women ages 35-54 experienced symptoms they believed may be related to perimenopause or menopause, yet nearly half (49%) said they weren’t prepared for the changes beforehand.
When women and their loved ones understand what they’re facing, they can approach this time with patience and compassion, which can make a real difference to the 71% of women who wished the people in their lives understood more about perimenopause or menopause. Consider these five facts to help fill in the menopause knowledge gap.
Perimenopause Can Start Years Before Menopause
The physiological transition to menopause can happen up to 10 years before a woman’s final menstrual period, although the average length of perimenopause is about four years. Symptoms may quietly begin in a woman’s 30s, 40s or 50s, and what might look like an isolated problem at first – like brain fog, a night of insomnia or an irregular monthly cycle – could be connected to broader hormonal changes.
Menopause Is More Than Just “Hot Flashes”
Since more than half of women surveyed were already aware of menopause symptoms like hot flashes, mood changes, anxiety and fatigue, these may not take them by surprise. Little-known symptoms are a different story – the majority of respondents didn’t anticipate menopausal issues like rage, inner-ear itching or reduced joint mobility. According to the National Menopause Foundation, women may also experience sleep disturbances, sweating, changes in libido, vaginal dryness, incontinence, weight changes and more.
Every woman’s experience is unique, so these symptoms could present in different combinations and intensities during menopausal years or may not appear at all.
Talking About Menopause Can Be Difficult
Even as women go through these physical and emotional shifts, many struggle to open up about their experiences. In fact, women rank menopause symptoms (17%) more difficult to discuss than hot-button topics like political views (13%), weight (13%) and religious beliefs (10%).
However, suffering in silence can lead to feelings of isolation, relationship misunderstandings and hesitation to seek help, which is why 66% of women said the lack of open discussion about menopause makes the experience worse.
Menopause Isn’t All Bad News
Although this season of life comes with challenges, there are joys to embrace as well. Women navigating midlife can come out the other side with more resilience, emotional awareness and a stronger sense of self. In fact, 44% of women surveyed said their outlook on life became more positive since their transition.
What Loved Ones Can Actually Do
Menopause is a highly individual experience, but that doesn’t mean women have to navigate it alone. Support from partners, families and friends can lift women up during difficult moments, and it can be as simple as taking the time to ask questions, listen and learn about how menopause is affecting their lives. With 30% of women in the U.S. labor force – approximately 15-16 million – in the age range corresponding to menopausal transition (ages 45-60), workplaces can also take steps to become more menopause friendly.
For more resources to help understand symptoms and discuss the transition with loved ones, visit nationalmenopausefoundation.org.
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home gardening
Beyond the Leaf Pile: 4 Tips for Autumn Lawn Care
4 Tips for Autumn Lawn Care: Many people associate fall yardwork with raking up the crispy, colorful leaves that have drifted down from surrounding trees. Don’t let that be the only task on your outdoor agenda, however, because this season is also an opportunity to improve the overall health of your lawn so it’s ready to thrive once spring arrives.
Beyond the Leaf Pile: 4 Tips for Autumn Lawn Care
(Feature Impact) Many people associate fall yardwork with raking up the crispy, colorful leaves that have drifted down from surrounding trees. Don’t let that be the only task on your outdoor agenda, however, because this season is also an opportunity to improve the overall health of your lawn so it’s ready to thrive once spring arrives.
Start with these autumn lawn care tips:
- Continue Mowing
As long as the grass keeps growing, homeowners should keep mowing – with a couple of smart seasonal adjustments. First, lower the mower height for your final two cuts so the grass isn’t too tall going into winter. Second, instead of raking all the leaves up beforehand, think about leaving a layer on the lawn so the mower can shred them and effectively turn them into mulch, returning their nutrients to the soil.
- Fertilize the Lawn
Especially if you grow cool-weather grass varieties like rye or fescue, feeding your lawn can actually be most effective in the fall. Fertilizer helps nourish the roots of your grass, strengthening it through the winter and preparing it to grow lush and green in the spring and summer. Aim to feed it once in the beginning of the season then again 6-8 weeks later or according to the recommended schedule for your region.
- Battle Stubborn Weeds
If you’ve been dealing with perennial weeds throughout the summer, fall could mean your chance to get rid of them once and for all. Weeds absorb herbicides readily on days with moderate temperatures and moist soil, so this task might be well-timed after some autumn rain has fallen.
- Add Grass Seed to Thin Spots
Whether you have bare patches on your lawn or areas of thinning grass, fall is the best time to seed cool-season lawns. (Skip this tip if you live in the South and have a warm-season lawn.) At least six weeks before the first hard frost in your area, spread grass seed over the areas you want to replenish or thicken then keep the lawn consistently watered until it germinates. Aerating the soil first can help the seed take root.
Find more seasonal home and garden tips by visiting eLivingtoday.com.
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Lifestyle
7 Fire Prevention Tips to Protect Your Home and Community
7 Fire Prevention Tips: Fires can be devastating, but many of them are preventable with simple precautions and smart everyday choices. Consider these tips to reduce the risk of fires and keep your household, family and community safe.
7 Fire Prevention Tips to Protect Your Home and Community
(Feature Impact) In observance of National Fire Prevention Month, it’s a good time to review your fire safety habits at home and in your neighborhood. Fires can be devastating, but many of them are preventable with simple precautions and smart everyday choices.
Consider these tips to reduce the risk of fires and keep your household, family and community safe.
Test Your Smoke Alarms
Smoke detectors are one of the simplest yet most important tools for protecting your home, loudly alerting you to potential danger at any time of the day or night. Test them monthly, follow manufacturer’s instructions for replacement and change batteries as needed.
Heat Your Home Safely
Depending on how you heat your home, there can be different hazards to remain aware of. Never leave fireplaces unattended when in use and have them inspected and maintained as recommended by a trained professional. If you use portable heaters, keep them at least three feet away from curtains, bedding, furniture and other flammable materials.
Prevent Electrical Fires
Frayed cords, damaged outlets or overloaded appliances can pose real danger to your home when they overheat or spark. Particularly if you live in an older home or have outdated appliances, keep an eye out for warning signs like tripped circuit breakers, malfunctioning devices or the smell of burning. If you’re concerned, have your system inspected by a qualified electrician.
Store Flammable Objects Carefully
Keeping matches and lighters out of reach of children is always a smart first step for household fire safety. Also follow safe storage practices for items like lighter fluid, propane, aerosol cans and other household products that could potentially ignite when exposed to heat or a stray spark.
Practice Smart Kitchen and Grill Habits
From sparks flying off the grill to hot oil forgotten in the frying pan, cooking is the leading cause of household fires. Stay attentive in the kitchen, never leave cooking food unattended and avoid setting combustible materials like paper plates or fabric towels too close to a stove or grill. Also keep your appliances cleaned and well-maintained.
Plan Your Escape Route
Fires can spread quickly, which is why it’s important for everyone in your household to know the plan (and backup plan) for safely exiting different areas of the house during an emergency. Decide on a specific meeting place outside and practice quick fire drills together to build muscle memory.
Observe Local Fire Safety Rules
Where you live determines what kinds of fire risks affect your community, so make sure you stay informed about local regulations. For instance, areas prone to drought or wildfire may have rules about outdoor burning, and local fire prevention ordinances may outline specific requirements for smoke alarms in your home.
Find more home safety tips at eLivingtoday.com.
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eLivingtoday.com
