There are several easy things you can do to make the most of the money you spend on prescription drugs:

1. Use generics whenever possible or choose a preferred brand if a generic is not available. The best way to be sure you are getting exactly the drug you need, branded or generic, is to consult with your provider. When your doctor prescribes a drug for you, ask if there is a generic equivalent.
2. check to see if your health insurance provider offers a mail order option to reduce your co-pays and receive up to a 90-day supply at the same cost as two retail refills. Many offer the convenience of home delivery.

3. Check with your local pharmacy. To entice you into their stores, some offer commonly prescribed generic drugs for $4 or zero co-pays. IT PAYS TO SHOP AROUND.

I’ve had employees tell me, “I just can’t afford to continue to take my medications.” When money is tight, prescription drugs may seem like a luxury that you can't afford, but don't give up on treatment. -- for example, pill splitting and using mail order pharmacies may help you until your finances recover.