4 Questions to Ask Your Doctor to Lower Out-of-Pocket Rx Costs
When you visit your doctor, consider asking the following questions to ensure you’re receiving the medications you need at the best possible prices.
Are there any lower-cost alternatives to this medication?
If your doctor prescribes a brand-name drug, you can ask them about switching to a lower-cost generic or biosimilar. You can check your prescription benefits plan’s formulary – the list of medications covered under your plan – to see which drugs are covered and the associated costs. To confirm whether a particular medication is covered, go to the My RxBenefits member portal, chat online with Member Services, or call the Member Services number on the back of your ID card.
You can also select lower-cost medication options from your pharmacy benefits manager’s (PBM’s) website where you manage your current prescriptions.
Are there generic equivalents for this medication?
Heavily advertised brand-name medications are not necessarily the best option. Generic, clinically equivalent alternatives are approved through the same rigorous FDA process for safety and quality, and typically cost 85% less than the equivalent brand-name drug. If generic options are available and you choose the brand-name medication, you may have to pay up to the full cost of the prescription.
What are my options for mail-order pharmacies?
With a mail-order pharmacy, you can safely and conveniently have your prescriptions delivered to your home, office, or location of your choosing. It may cost less than using a retail pharmacy and can help ensure you don’t miss a dose. Simply ask your prescriber to send your prescription to your PBM’s mail-order pharmacy.
Could you prescribe a 90-day supply of this medication?
If a 90-day supply is available for your medication, this option reduces the number of refills needed per year, cutting down on trips to the pharmacy, last‑minute refills, and calls to your doctor’s office. This can be helpful if you travel, have transportation challenges, or manage multiple chronic conditions. Many insurance plans and mail‑order pharmacies offer lower copays or better rates for a 90‑day supply compared to three 30‑day fills. You may also avoid multiple dispensing fees that add up over time.
We are here to help
Chat: With a live agent via the RxBenefits member portal at Member.RxBenefits.com, Monday-Friday, 9:00 a.m. to 6:00 p.m. Central
Email: CustomerCare@RxBenefits.com, Monday-Friday, 7:00 a.m. to 8:00 p.m. Central
Call: RxBenefits Member Services at 1-800-334-8134, Monday-Friday, 7:00 a.m. to 8:00 p.m. Central
Access your pharmacy benefits information 24/7 from any device by registering on the My RxBenefits member portal at Member.RxBenefits.com.
