Drug prices: compare smarter, spend less, stay safe

Drug prices can be all over the place — the same pill can cost $10 at one store and $60 at another. That’s frustrating and expensive. If you’re shopping for meds, a few smart checks will save you money and keep you out of scams.

Simple checks before you buy

Always look for the generic name, not just the brand. Generics contain the same active ingredient and are usually much cheaper. Next, compare prices across at least three sources: local pharmacies, price comparison tools, and vetted online pharmacies. Use real tools like price comparison apps or websites to see cash prices — sometimes those beat your insurance copay.

Before you order online, check pharmacy credentials. Look for clear contact info, a physical address, and a requirement for a prescription when one is needed. If a site offers a prescription-free sale of prescription-only meds, walk away. That’s often a red flag for an unsafe or illegal seller.

Practical ways to cut costs

Ask your prescriber if a cheaper alternative exists. Many conditions have more affordable meds that work just as well. Ask for a 90-day prescription instead of 30 days — that often reduces the per-dose price. Use manufacturer coupons, pharmacy discount cards, and patient assistance programs for expensive drugs; manufacturers sometimes offer free or reduced-cost medication for qualifying people.

Consider splitting higher-strength tablets if your doctor approves — it can be cheaper and still accurate. Buy in bulk only if you can store the meds safely and they won’t expire. For some chronic meds, mail-order pharmacies and subscription services offer lower monthly costs and automatic refills.

International pharmacies can look tempting because prices may be lower overseas. If you go this route, choose only well-reviewed pharmacies, confirm they require prescriptions, and check local import rules. Some countries allow personal import of small quantities; others don’t. Know the rules to avoid seized shipments or illegal purchases.

Insurance helps, but don’t assume it always wins on price. Sometimes the cash price is lower than your copay. Check both options before paying. Also check your plan’s preferred drug list — switching to a preferred alternative can drop costs a lot.

Keep records. Save receipts and order confirmations, track batch numbers for recalls, and note lot or expiration dates when you receive shipments. That’s useful if something goes wrong or a pharmacy makes an error.

Final quick checklist: know the generic name, compare three prices, verify pharmacy credentials, ask about generics or 90-day fills, and use coupons or assistance programs. Do those five things and you’ll cut spend without risking safety.