HEALTHY LIVING
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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(Feature Impact) Outsmarting a baby can be harder than it sounds – especially when it comes to transforming your home into a safe place for them to explore. Through their eyes, a coffee table becomes a climbing opportunity, a dangling phone charger looks like a teething toy and a cabinet of cleaning supplies could be an exciting travel destination.
Babyproofing is about anticipating those discoveries before little ones make them. In honor of National Baby Safety Month, consider these tips to make your home safer all year round.
Install Gates and Doorknob Covers
Crawling babies and stairs are a bad combination. Make sure the two never have the chance to meet by securely installing safety gates at the top and bottom of staircases to thwart young explorers. Gates or doorknob covers can also block access to other rooms and areas you’d prefer to keep off limits, like kitchens, bathrooms and laundry areas.
Use Safety Latches Wisely
Cabinets and drawers can contain a myriad of dangerous items, from cleaning products to sharp objects and medications. Even if you have rooms gated off, treat safety latches and locked storage receptacles as a second line of defense to make sure babies and toddlers can’t rummage where they shouldn’t.
Stress-Test Furniture
As babies and toddlers transition from crawling to walking, they often try using furniture to pull themselves up. Tall or unstable objects like TV stands, small tables and bookshelves can tip over if they aren’t properly secured. Try giving these objects a shake to see whether they’re easily moveable or wobbly; if so, anchor them to the floor or wall when possible. While you’re at it, check for sharp corners at the right height to bonk little heads and cover them with softer edge protectors.
Cover Outlets and Stow Cords
Electrical outlets can be tempting targets for curious fingers. Outfit them with covers or plastic safety caps, especially if you don’t already have tamper-resistant receptacles with built-in mechanisms to block foreign objects from entering the slots. As you’re going about your outlet audit, pay attention to cords as well. When possible, tuck them away or secure them with cord organizing systems, and block access to objects like lamps where cords can be used for tugging and toppling.
See the World at Their Level
Although it might feel silly, one of the best ways to spot hazards around your home is to scout for them from a baby’s perspective. Try getting as close to the floor as you can then look around each room for anything that could interest a young child and pose potential danger. In particular, keep an eye out for small objects that could become choking hazards, like dropped coins, batteries or loose toy pieces.
As children grow, so do the needs of your space. Visit eLivingtoday.com for more ideas on designing your home to fit your family.
Photo courtesy of Unsplash
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(Feature Impact) Your brain works hard for you, so it’s only fair to return the favor by practicing simple everyday habits to keep this important organ strong and thriving.
Start by tweaking your daily routine to focus on these four habits.
Prioritize Sleep
Getting quality sleep is vital for proper brain function. If you find you’ve slipped into the habit of staying up later than you should or notice your sleep being disrupted during the night, those are signs to revisit your sleep hygiene practices. Start by establishing a regular bedtime and wake-up time that will give you the recommended 7-9 hours of sleep. Turn your bedroom into a comfortable refuge from the world – keep it cool and dark, and set up fans or noise machines if you need them to quiet your mind. Avoid consuming caffeine or alcohol too close to bedtime and try switching to a book instead of a screen when it’s time to wind down.
Eat Smart
Just like the rest of the body, the brain is nourished by food. Some of its favorite foods are options rich in healthy fats like fish, avocado, olive oil and nuts, as well as vegetables like leafy greens, which offer carotenoids, and fruits such as grapes, which deliver antioxidants and other polyphenols.
Combine several of these powerful brain-boosting foods at once with this California Grape and Sardine Avocado Toast recipe. The fish is rich in omega-3 fatty acids and the avocado offers a boost of healthy unsaturated fat, while the grapes add protective dietary flavonols, which may help promote anti-inflammatory and beneficial antioxidant activity.
A study published in the scientific journal “Neurology” found a higher intake of certain flavonols – including three naturally found in grapes – is associated with a 48% decreased risk of developing Alzheimer dementia.
Get Moving
Adding even more proof that what’s good for your body is good for your mind, getting regular exercise is one of the best things you can do for your brain. Motivate yourself by choosing a form of movement you genuinely enjoy, whether it’s a daily walk on a nearby nature trail, a dance class, a bike ride or a heart-pumping workout video.
Challenge Your Mind
Don’t forget to give your brain its own workout, too. Doing something mentally stimulating every day is a great way to keep yourself sharp, and there are plenty of ideas to choose from. Try learning a new language, picking up a musical instrument, playing a mind-engaging card or board game, doing a puzzle, reading a book or immersing yourself in a creative writing or art project. The options are nearly endless, and if you want to make your brain extra happy, you can snack on handfuls of grapes as you enjoy your hobby.
Learn more about the connection between grapes and brain health and discover more recipes by visiting GrapesFromCalifornia.com.
California Grape and Sardine Avocado Toast
Prep time: 10 minutes
Servings: 4
- 1 large firm, ripe avocado, halved and pitted
- 4 small slices rustic whole grain bread (1/2-inch thick), toasted or grilled
- 1 individual container sardines in olive oil or water, drained
- 1/2 cup quartered red and black Grapes from California
- Aleppo pepper flakes
- fresh cilantro, snipped
- 1 lemon half
- salt (optional)
- With spoon, scoop avocado out of skin and use fork to coarsely mash.
- Spread onto bread slices and top with whole or torn sardines. Sprinkle grapes over sardines.
- Top with generous sprinkle of Aleppo pepper, cilantro, squeeze of fresh lemon and salt, if desired.
Nutritional information per serving: 290 calories; 11 g protein; 29 g carbohydrates; 16 g fat (50% calories from fat); 2.5 g saturated fat (8% calories from saturated fat); 20 mg cholesterol; 210 mg sodium; 6g fiber.
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Protein-Packed Snacking for Back-to-School Season
(Feature Impact) As busy families prepare for hectic school days, it can be invaluable to have nutritious grab-and-go options on hand for lunches and snacks. Having one less thing to worry about makes a difference when you’re juggling work, school, sports practices and games, and other extracurriculars while trying to keep everyone fed and happy.
Watch this video to learn more
Since protein is an important nutrient for energy and satiety, choosing options like PB2Go Cups could be the perfect solution. As the pioneer of powdered peanut butter, PB2 has made it more portable than ever with the introduction of their new, on-the-go cups.
With 10-11 grams of protein per cup, they’re easy to toss in a lunchbox or backpack, offering a convenient way to keep your family powered up through the afternoon. Simply add water to the fill line, stir with the built-in spoon and enjoy the Original or Chocolate Chip flavors on their own or as a dip with pretzels, crackers, apple slices or bananas for more flavor and fun during your snack break.
“Between packed lunches, busy schedules, and after-school activities, convenient protein options are a game changer,” said registered dietitian Mia Syn, a food and nutrition expert. “That’s why I love PB2Go Cups. With a built-in spoon in the lid, they’re ready to toss in a lunch box, backpack, or gym bag and enjoy wherever the day takes you.”
Whether you’re tackling early-morning school prep or searching for a ready-when-you-are snack to keep in your locker, powdered peanut butter is a healthy, satisfying choice. No stress and no mess makes for a winning combination, and families who value balanced nutrition will appreciate having a quick, pre-portioned source of protein on hand when their schedules are full.
For more information, visit PB2.com.
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