How To Use A Prescription Discount Card

You may have seen ads for prescription savings cards or heard that there’s a free way to save on your medication but what are they and how do you use one? There’s a lot of confusion about what discounts are available when you shop for medications at different pharmacies. In this article, we’ll explain what a prescription discount card is and how to use one to maximize the amount you can save on your medication.

How Do Free Discount Drug Cards Work?

Think of a prescription discount card like a coupon. It’s a free way to pay less for your medication.

Prescription discount cards are a free tool offered by a number of different companies that help you save on the cost of medications—especially when you’re paying in cash. These companies work as a bigger network to negotiate deals with pharmacies and drug manufacturers to reduce the cost of prescriptions and then pass those savings on to you.

How to use a prescription discount card to maximize your savings

Check discounts at multiple pharmacies 

The pharmacy industry is complex, which means drug prices can be dramatically different from one pharmacy to another. Always make sure you check a few pharmacies in the area. The price difference can easily be $10 or more.

Pay cash and then submit to insurance to double up on savings

Many people think that you either pay cash for your medication OR use your insurance. But you can use both tools to maximize your savings. 

Check with your insurance company and ask if you can turn in your receipt to get credit for the cash you spend on your medications when using a discount program. If your insurance allows you to turn in your receipt, the money you spend on medications can apply to your out of pocket maximum.

Important note: If you are going to turn your receipt into your insurance company, make sure you follow your current pharmacy benefits.  For example, if you are only allowed a 30 day supply of your prescription at retail, don’t fill a 90 day supply and expect to get credit towards you out of pocket max. 

Compare prices of different discount cards 

No one card has the best price on every medication. Almost every discount card has a search function where you can pull up prices for your medication at pharmacies near you. Make sure you check different drug discount card providers like GoodRx, WellRx, Drugs.com and, of course, here at Uncovered

Remind Your Pharmacist To Use Your Discount Card

When filling your prescription, give the pharmacist your discount card and ask them to specifically fill your prescription with this intended card. Sometimes pharmacists will store a discount card and use the same one over and over again. Since the savings can vary between different drug discount cards, it’s always good to remind them to use the card you have on hand.

Ask For Increase Quantities

 If you are not planning on sending in a paper claims to insurance, then shop for increased prescription quantities for an even lower per pill price. 

Find The Best One Stop Shop

SingleCare has a tool that will put all your regular prescriptions together to find the pharmacy near you that offers the combined best price on all of your medications. It might not be the absolute lowest price on every individual medication, but it shows you the most convenient way to save at one pharmacy.

How To Transfer A Prescription From One Pharmacy To Another

If you want to save on prescriptions, you need to know how to move your prescriptions after they’ve been written. Luckily, it’s an easy process to follow. Here’s how to do it:

  1. Call or visit the new pharmacy with the best savings to request an Rx transfer.
  2. Give the new pharmacy the names of all the medications you want to transfer, along with dosage and Rx numbers.
  3. Provide your current pharmacy’s contact information. The new pharmacy will contact your old pharmacy and take care of most of the process.
  4. Wait for the transfer to be completed, allowing at least 1-3 business days.

Little savings add up. Drug discount cards are a great, free way to save money. And remember to treat your pharmacist like your partner. They’re there to care for you in the way that fits you best. Talk to them, let them know you’re trying to save and they’ll help in the process.

ken rose

Ken Rose, RPh

Ken is a multidisciplinary pharmacist, with over thirty eight years’ experience within Pharmacy and the Managed Care industries. He is a pharmacy savings gurus—helping people with all the ways they get their medicine: mail, retail, and hospital pharmacy, clinical programs, specialty pharmacy and health plans. 

3 Effortless Ways To Save Money On Your Next Insulin Refill

We’re always looking for new ways to help people save on medication. Recently, insulin has been at the top of that list. Prices for popular medication like Levemir, Novolog, Lantus and Humalog have skyrocketed $100’s of dollars over the past ten years costing people thousands in out of pocket costs.

With a disease like Diabetes, maintaining proper insulin levels is essential for good health. Insulin is currently so expensive that many people have taken to skipping doses and rationing their medication use, which can have serious health consequences.

Three Ways To Save On Insulin, Right Now

Below are a few programs that many help with Insulin costs for the insured, underinsured, and uninsured.

1.   Get A Novo Nordisk Savings Card

Novo Nordisk is a global healthcare company, headquartered in Denmark, that offers a number of patient support programs for insulin medication.

If you have insurance, all you have to do is sign up for the Novo Nordisk Savings Card, which can be used for all Novo Nordisk diabetes products. Their website will ask you a few question about the medication you’re looking for and whether or not you have insurance. Fill those out and you’ll be guided through a process to receive your savings card.

Sign up for Novo Nordisk Savings Card here

Novo Nordisk Savings Rates

  Medicine Type “You may be eligible to pay as little as…”
Levemir Insulin detemir injection 100U/mL $45 per 30 day supply
Fiasp Insulin aspart injection 100U/mL $25 per 30 day supply
NovoLog Insulin aspart injection 100U/mL $25 per 30 day supply
NovoLog Mix 70/30 Insulin aspart protamine and insulin aspart injectable suspension 100U/mL $25 per 30 day supply
Ozempic Semaglutide injection 0.5 mg or 1 mg $25 per 30 day supply
RYBELSUS Semaglutide tablets 3 mg, 7 mg, or 14 mg $10 per 30 day supply
Tresiba Insulin degludec injection100U/mL or 200 U/mL $5 per 30 day supply
Victoza Liraglutide injection 1.2 mg or 1.8 mg $25 per 30 day supply
Xultophy® 100/3.6 insulin degludec and liraglutide injection 100U/mL and 3.6 mg/mL $30 per 30 day supply

You can also call the call the Novo Nordisk Savings Card Program at 1-877-304-6855 from 8 AM – 8 PM ET Monday - Friday.

How To Get Assistance From Novo Nordisk If You Don’t Have Insurance

[1] If you don’t have insurance, Novo Nordisk has programs to help with the cost of insulin. Their first option is a Patient Assistance Program, which we strongly advocate you look into. Their Patient Assistance Program provides medication at no cost to those who qualify. Click here to see if you qualify for the Novo Nordisk Patient Assistance Program.

If you don’t qualify for the Patient Assistance Program, they offer another option that can still help reduce the cost of insulin. It’s called My $99 insulin, and patients may be eligible to get a 30-day supply of a combination of Novo Nordisk insulin products (up to 3 vials or 2 packs of pens) for $99 for up to 12 months. Click here to apply for the My $99 insulin program.

Getting An Immediate Supply

For patients in need of insulin immediately, Novo Nordisk will supply a free, one-time supply of up to 3 vials or 2 packs of pens for patients with a prescription.

Patients can call (844) 668-6463 or visit NovoCare.com.

2.   Get A Savings Card For Lilly Diabetes Medicine

Similar to Novo Nordisk, Eli Lilly also offers savings cards specifically for diabetes medication and insulin. People with diabetes, who have commercial insurance,  may qualify for savings cards to help with the cost of certain Eli Lilly insulins and diabetes medicines.

Unlike Novo Nordisk, Eli Lilly does not make you fill out a few questions to apply for a savings card. You can have a savings card emailed to you or download it directly to your phone or computer.

Click here to download the BASAGLAR savings card

Click here to download the Humalog savings card

Click here to download the Humulin R savings card

Unfortunately, you cannot be currently enrolled in a governmental program to be elligible for a savings card. Excluded programs include, without limitation, Medicaid, Medicare, Medicare Part D, Medigap, DOD, VA, TRICARE/CHAMPUS, or any State Patient or Pharmaceutical Assistance Program.

3.   Try Walmart’s $25 OTC Insulin

What Is Walmart’s Insulin?

If you live with diabetes, ReliOn is probably a brand you’ve heard of before. Walmart’s house brand for diabetic testing supplies.

But you might not know that Walmart also offers affordable insulin medication over the counter—which means you don’t need an insurance plan. Depending on your location, ReliOn insulin usually costs about $24.88 to purchase.

ReliOn is FDA approved, but it is human insulin which is different than the insulin a doctor may prescribe.

How To Get ReliOn Insulin At Walmart for $25

Since this insulin is available over the counter, all you have to do is go to the pharmacy counter and ask the pharmacist for Novo Nordisk’s Novolin ReliOn Insulin. It’s that simple, no prescription needed.

However, there are differences between this type of insulin and the newer types of prescription insulin. Read below for more detail on the differences.

Caution: ReliOn Insulin Is Not The Same As The Analog Insulin That Is More Commonly Prescribed Today

While ReliOn may help patients in a pinch, especially those without health insurance, it’s also a formulation known as “human” insulin which was developed in the early 1980s. It was the first version of insulin medication that was identical to what the human body produces on its own. It is FDA approved and completely safe to use.

But, as the science and technology for producing insulin got more advanced, newer versions of the medication were introduced that featured ultra-rapid absorption and ultra-long lasting effects. Over time, doctors and drug companies have switched to prescribing newer versions of insulin instead of human insulin.

Insulins like Humalog and Levemir are commonly known as analogs. They were developed to be more effective at preventing dangerous blood sugar swings in people with Type 1 diabetes or those at a higher risk for severe low blood sugar.

Human insulin and analog insulin work exactly the same way in lowering blood glucose once absorbed in the bloodstream, however the types of insulin are different in how slowly or rapidly they are absorbed once injected.

Because of this: YOU MUST speak to your Physician before making any change in insulin. Your doctor will be able to help you in determining what your new dose should be as well as when and how to administer the insulin.

Remember, your doctor and pharmacist are there to help you! If you’re struggling to afford your medication, ask them for help. They can guide you towards savings options you didn’t know you had! Following these tips and talking to your doctor and pharmacist are a simple way to start putting the power of your healthcare back in your hands.

ken rose

Ken Rose, RPh

Ken is a multidisciplinary pharmacist, with over thirty eight years’ experience within Pharmacy and the Managed Care industries. He is a pharmacy savings gurus—helping people with all the ways they get their medicine: mail, retail, and hospital pharmacy, clinical programs, specialty pharmacy and health plans. 

How To Safely Split Your Pills At Home | Ken’s Capsule

Splitting your pills can be a great way to save money, but there are some things that you must consider when deciding if it’s right for you. In this article, we are going to cover everything you need to know about splitting your pills; the do’s and don’ts and especially how you can do it yourself at home without special equipment.

Quick note: Some insurance companies will allow you to split you medication and offer savings to customers, so please ask your insurance carrier if they do offer savings incentives for pill splitting.

What Is Pill Splitting?

In the past, pill splitting has been the subject of debate, but that doesn’t mean it’s something to be afraid of.

The concept is simple: you get the same prescription at a higher dosage, then divide the pills into smaller pieces to get the dosage recommended by your doctor, which saves you money per pill. 

Here are a few examples of savings that you can achieve through pill splitting.

Generic Lexapro (escitalopram) tablet (prices may vary).

5mg #30 ~$9.00  
10mg #30 ~$7.20 <- price after pill split
20mg #30 ~8.60 <- price after pill split

Generic Zoloft (sertraline) (prices may vary).

25mg #30 ~$8.30  
50mg #30 ~$7.20 <- price after pill split
100mg #30 ~$6.60 <- price after pill split

First, Ask Your Pharmacist

Ask your pharmacist which of the pills you are currently taking can safely be split at home.

Your pharmacist is the expert here, and will take many different factors into account, including:

  • The brittleness of the tablet
  • If the tablet is scored
  • Does the table have a protective coating
  • If the tablet is too hard for splitting
  • If the table is too soft for splitting
  • If the table is timed or extended released or not
  • If the medication uses capsules, which can’t be split

The FDA also provides guidelines on best practices for splitting pills that you can read.

How To Safely Split Pills At Home

Option 1: Try using a pill splitter

Pill Splitters are the easiest way to split pills. BUT, pill splitters can be aggressive on delicate and sometimes expensive pills.

If you choose to use a pill splitter, make sure the tablets are durable enough to be split this way.

What are the signs of a pill that isn’t suited for pill splitting? You’ll noticed:

  • The pill crumbles
  • The split isn’t even
  • The tablet easily turns to powder

If you notice these things happening, try using one of the next two options.

Option 2: Split softer, curved tablets with your fingers

how to split curved pills

If your pills are curved, soft and scored then a great alternative to a pill splitter is to use your fingers. Softer pills split very easy with even pressure on each side of the score mark.

I’ve always enjoyed seeing how many people are surprised that this technique is so successful.

Option 3: What to do for flat, scored tablets that aren't too difficult to split

how to split flat pills

One trick that I have always used, is to place the score mark along a plastic ink pen and use the pen to evenly split the pill.

Press the tablet with your fingers evenly on each side of the score mark until the pill splits in half.  Sometimes this will take a decent amount of pressure. Just make sure that you’re using the tips of your fingers to apply even, steady pressure and it will result in a clean break.

Unevenly shaped pills need to be accurately split in half, long ways. I do not recommend this practice due to inconsistent results.

Make sure you keep safety in mind

  • Wash your hand before starting.
  • If you are splitting tablets for others, use surgical gloves. Also ask about latex allergies before using latex gloves.
  • When using a pill splitter, clean the pill splitter between different pills. (cross contamination can result in incorrect dosing).
  • Ask you pharmacist or physician if it is ok to split your dose. (There have been many dosing mistakes made when  a physician writes for 1/2 tablet and pharmacies fill the prescription with the directions saying fill for 1-2 tablets...please review your dosing with your physician.
  • If you current tablet does not have a score mark, ask you pharmacist if they have a manufacturer that does offer a scored tablet.

Little savings add up. Pill splitting is a great technique and easy way to make the price of your medication easier to swallow. And remember: your doctor and pharmacist are your partners. They’re there to care for you in the way that fits you best. Talk to them, have the conversation and take another important step to taking control of your healthcare.

ken rose

Ken Rose, RPh

Ken is a multidisciplinary pharmacist, with over thirty eight years’ experience within Pharmacy and the Managed Care industries. He is a pharmacy savings gurus—helping people with all the ways they get their medicine: mail, retail, and hospital pharmacy, clinical programs, specialty pharmacy and health plans. 

Drug Patents Expiring in 2020 | Ken’s Capsule

It’s almost always cheaper to opt for a generic medication instead of a brand medication. However, generic medications aren’t always an option for drugs whose patent hasn’t expired yet. Pharmaceutical companies use patents to protect their R&D investment and try to maintain the exclusivity period as long as possible.

But that doesn’t mean you’re trapped with a brand drug. Patent terms for brand drugs expire every year, which means a more affordable option might be right around the corner.

First Ask: Does Your Brand Drug Have A Generic Equivalent or Alternative?  

When a patent expires, generic drug makers can enter the market with an equivalent generic alternative. These medications must meet strict FDA guidelines and must have the identical active ingredients and strengths as the originator drug. 

So how do you know if your brand prescription’s patent is on the verge of expiring?

The easiest way to do this is to search for your brand name medication patent expiration date.

Why take the time to search? After a generic equivalent comes out, you can expect the price of the generic to be 15-25% less than the brand drug. After 6 months and multiple generics makers have launched equivalent generics, the price should drop another 20-50%!

Biggest Brand Name Patents Expiring  In 2020

When it comes to the biggest patent expirations in 2020, we’ve already done the hard work for you. Below are the most popular drugs that will be receiving a generic alternative in 2020.

Updated July 2020


Brand prescription name: Enbrel 
Generic name: Erelzi
What it treats: Arthritis
Expected savings per month: TBD
When the generic gets released: Late 2020


Brand prescription name: Humira 
Generic name: Amjevita or Cyltezo
What it treats: Crohn's disease
Expected savings per month: 15-30% the cost of Humira
When the generic gets released: Late 2020


Brand prescription name: Herceptin 
Generic name: Ogivri
What it treats: Breast Cancer
When the generic gets released: Late 2020

Afinitor tablets

Brand prescription name: Afinitor 
Generic name: Everolimus
What it treats: Cancer
Expected savings per month: $3,000
When the generic gets released: Early 2020

Omnaris nasal spray

Brand prescription name: Omnaris
Generic name: Ciclesonide
What it treats: Nasal allergy
Expected savings per month: $185
When the generic gets released: Early 2020

Absorica capsule

Brand prescription name: Absorica
Generic name: Isotretinoin
What it treats: Acne
Expected savings per month: $1,600
When the generic gets released: Late 2020

Atripla tablet

Brand prescription name: Atripla
Generic name(s): Efavirenz; Emtricitabine; Tenofovir Disoproxil Fumarate
What it treats: Antiretroviral
Expected savings per month: $800
When the generic gets released: Late 2020

Chantix tablet

Brand prescription name: Chantix
Generic name(s): Varenicline Tartrate
What it treats: Helps you quit smoking
Expected savings per month: $225
When the generic gets released: Late 2020

Ciprodex ear drops

Brand prescription name: Ciprodex
Generic name(s): Ciprofloxacin; Dexamethasone
What it treats: Ear infections, swimmers ear
Expected savings per month: $180
When the generic gets released: In 2020

Dulera Inhaler

Brand prescription name: Dulera
Generic name(s): Formoterol Fumarate; Mometasone Furoate
What it treats: Asthma
Expected savings per month: $240
When the generic gets released: Late 2020

Noxafil tablets

Brand prescription name: Noxafil
Generic name(s): Posaconazole
What it treats: Anti fungal
Expected savings per month: Unknown
When the generic gets released: Early 2020

Thalomid capsule

Brand prescription name: Thalomid
Generic name(s): Thalidomide
What it treats: Cancer
Expected savings per month: Unknown
When the generic gets released: In 2020

Zortress tablets

Brand prescription name: Zortress
Generic name(s): Everolimus
What it treats: Transplant
Expected savings per month: $600
When the generic gets released: Early 2020

Other Ways To Save On Your Prescriptions

Check out our article 7 Insider Tips To Save Big On Prescription Drugs for some easy, quick techniques you can use the next time you go to fill a prescription. 

Generic Alternatives

If your brand name drug doesn’t have an exact match generic, look for generic “alternatives” within your medication drug class. A drug class is the broader category your prescription falls into. For example, Beta Blockers which treat heart disease, ACE Inhibitors which treat high blood pressure, or Lipid Regulators which treat high cholesterol. This can be a potential savings discussion with your physician with regards to a therapeutic alternative. 

Ask Your Doctor or Pharmacist

Ask your pharmacist about alternative medications or any potential savings that they may know of for a particular medication or class of drugs.

Remember, don’t be afraid to actually discuss your physician’s medication choice for you. It can be a great savings to you, and enjoy your new collaborative relationship with your physician. Every time you ask questions, you take another step closer to being in control of your health care. 

ken rose

Ken Rose, RPh

Ken is a multidisciplinary pharmacist, with over thirty eight years’ experience within Pharmacy and the Managed Care industries. He is a pharmacy savings gurus—helping people with all the ways they get their medicine: mail, retail, and hospital pharmacy, clinical programs, specialty pharmacy and health plans.