What Should I Do If I Can’t Afford My Medications? (2024)

by Editorial Staff | June 3, 2024

Topics:

  • Asthma
  • COPD
  • Pulmonary Fibrosis
  • Advocacy
  • Lung Health & Procedures

Anyone with a chronic lung disease knows how important it is to take your medication as directed. But rising prices and insurance coverage changes mean some patients are struggling to fit prescribed medications into their budget. That is why the inability to afford COPD, asthma or pulmonary fibrosis, among others, is becoming a more common problem. So, what should you do if you find yourself having problems affording your medications? We have a few suggestions.

No Medication Is Not an Option

Patients with COPDor asthmawill be the first to tell you that surviving without their medicine is not possible. Both airway diseases are treated with a combination of quick relief and long-acting maintenance or controller medications that are used to manage symptoms and prevent flare-ups. There are many different inhaled bronchodilators, corticosteroids or oral steroids on the market, but medications work on a case-by-case basis.

First and foremost, contact your healthcare provider and let them know if the medication they prescribed is cost-prohibitive to you. Your healthcare provider wants to help you achieve your best health outcomes, and that includes figuring out what medication you can consistently take to manage your disease. They may have ideas of substitutions or have connections to some of the additional strategies we’ll outline below.

“If you have a medication that is working for you, normally we don’t want to change that, but if you can’t afford it and there is another option that works the same way but costs less, you should consider it,” explained Mark Courtney, RRT, one of our lung health navigators at the Lung Helpline. “Consider calling your insurance company to see if there is a preferred brand they would recommend at a better price, and from there you can work with your healthcare provider to get the prescription changed.”

Mark also shared that people with pulmonary fibrosis have only two options for treatment to help slow the progression of their disease. These include nintedanib (Ofev®) and pirfenidone (Esbriet®), which are anti-fibrotic medications, meaning that they have shown in clinical trials to slow down the rate of fibrosis or scarring in the lungs. “This is one of most common calls we get because these medications are extremely expensive but also extremely necessary,” said Mark.

If you are still unable to find an affordable alternative, you may want to consider a financial assistance program.

Getting Financial Assistance

Luckily, there are many foundations out there that offer financial assistance, you just need to find them and apply. Mark suggests that people start with the PAN Foundation Fund Finder which allows you to check eligibility among 200 patient assistance funds from nine charitable organizations. If nothing is currently offered, you can sign up to be notified when something matching your criteria becomes available. “All programs set aside money based on the disease, not on a specific drug, so you might need to work with your healthcare provider to make sure that what you get through the program matches your specific needs,” Mark suggested.

Most financial assistance programs have eligibility requirements based on need and whether you have health insurance that includes drug coverage. If you don’t have health insurance or have questions about finding an affordable plan, the Lung Association has resources for you at Lung.org/openenrollment. The website Healthcare.gov has detailed information about how to get healthcare coverage you can afford.

Another option is to go through pharmaceutical companies or pharmacy chains, many of which offer access to free or low-cost medicines depending on your eligibility. Tools like SingleCare, Medicine Assistance Tool (MAT), NeedyMeds and RxAssist are free resources that offer information on a wide range of prescription assistance programs. You can get more information about these programs on our website.

For those specifically struggling with changes in inhaler prices, some drug companies offer patient assistance programs directly. For more information about medication treatment assistance visit our website.

Buyers Beware

Unfortunately, just as there are some great programs out there, there are also some scammers looking to target people looking for assistance. The biggest flag is, if the organization is reputable, it will never ask for money. This includes phone callers or even door-to-door salesmen offering discount cards in exchange for a purchase; these are not trustworthy sources. It should also be noted that drug company discounts cannot be used by people who are participating in a state or federally funded healthcare programs such as Medicare, Medicaid or Tricare.

Everyone who needs medications to manage a chronic condition needs access. If you are having trouble finding a solution, you can always contact the Lung Association HelpLine to determine if there are financial assistance programs that are right for you.

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Blog last updated: June 7, 2024

What Should I Do If I Can’t Afford My Medications? (2024)

FAQs

What Should I Do If I Can’t Afford My Medications? ›

Community health centers may offer prescription assistance to low-income patients. To locate a center in your area, contact the Health Resources and Services Administration at 888-ASK-HRSA (888-275-4772). Local Area Agencies on Aging may be able to assist patients who are 65 or older and can't afford their medications.

What happens when people can't afford their medications? ›

The website Healthcare.gov has detailed information about how to get healthcare coverage you can afford. Another option is to go through pharmaceutical companies or pharmacy chains, many of which offer access to free or low-cost medicines depending on your eligibility.

How to afford expensive medication? ›

Some ways you may be able to lower the cost of your drugs include choosing generics over brand new prescriptions or biosimilars over original biological products. You might also pay for a drug without insurance (like pharmacy savings programs or manufacturer discounts).

What to do if there is a medication shortage? ›

Search by your product's generic name or active ingredient. If the drug is already in the Drug Shortages Database, talk with your health care provider or pharmacist for other treatment options during the shortage. FDA is actively working on resolving that shortage.

What to do if you run out of a medication you need? ›

If you run out of your medication, call your pharmacy right away and ask them if they can fill it for you as soon as possible.

How can I not pay for medicine? ›

Seek help from the drug maker

Many pharmaceutical companies also have financial assistance programs that help with copays for patients who have commercial or private insurance (people on Medicare are usually not eligible) or provide drugs at low or no cost to patients who meet certain income requirements.

What medical conditions qualify for free prescriptions? ›

You are eligible for free prescriptions if you:
  • are 60 or over.
  • are under 16.
  • are aged between 16 and 18 and in full-time education.
  • are pregnant or have had a baby in the previous 12 months and have a valid maternity exemption certificate (MatEx)

What is the most expensive prescribed drug? ›

The Most Expensive Drugs, Period
DrugAnnual cost based on length of therapy
1Zolgensma$2,125,000
2Zokinvy$1,073,760
3Danyelza$1,011,882
4Kimmtrak$975,520
6 more rows

What is the downside of using GoodRx? ›

Predictability. GoodRx's prices “fluctuate frequently — daily, weekly or monthly” the company's website says. So it might be hard to predict what you'll pay and where you'll have to go for your medications from month to month.

What states have a state pharmaceutical assistance program? ›

State Discount Programs
StateState Pharmaceutical Assistance Program (SPAP)
TexasTexas Kidney Health Care Program Texas HIV Medication Program
UtahUtah Ryan White Part B
VermontVPharm 33 V.S.A. § 2073
VirginiaVirginia Medication Assistance Program (VA MAP)
47 more rows

What drug is currently in shortage in 2024? ›

Current Drug Shortages
Generic NameRevision Date
Albuterol sulfate and Ipratropium Bromide Inhalation SolutionSeptember 11, 2024
Albuterol Sulfate Metered Dose InhalersDecember 15, 2021
Alfentanil InjectionFebruary 22, 2023
Alfuzosin Extended-Release TabletsMay 22, 2024
239 more rows

What to do if you can't get medication? ›

Emergency Drug Supply Tips

You may also call your prescriber for help. If the prescriber isn't available, ask the pharmacist to give you a three-day emergency drug supply. They may submit the claim directly to your health plan at that time and provide you an emergency supply of medicine.

What do I do if no pharmacy has my medication? ›

Use the 111 online emergency prescription service

They may refer you to a pharmacy to get your medicine. If your medicine is not prescribed as a repeat prescription, you can get help from 111 online or call 111 to discuss your options.

What to do if you run out of pills? ›

If they're open, speak to the pharmacist in your local community pharmacy or your GP practice to see if it's possible to get some of the medicine you've run out of. They'll be able to advise on next steps. In most cases, they'll be able to give a supply until you can get another prescription organised.

Can I get a prescription online without seeing the doctor? ›

That said, you can get an online prescription without visiting the doctor's office by scheduling a virtual doctor visit. Online doctors can write online prescriptions and prescription refills and will electronically send your prescription to the pharmacy of your choice, following your appointment.

What to do when medication is out of stock? ›

What you can do
  1. Keep an open line of communication with your care team. ...
  2. Talk to your pharmacist. ...
  3. Try calling another chain to fill the prescription. ...
  4. Try an independent pharmacy. ...
  5. Consider a mail-order pharmacy. ...
  6. Consider the generic form of the drug. ...
  7. Try a different dosage or formulation of the same drug.
May 29, 2024

What happens if someone Cannot afford healthcare? ›

Medicaid: Medicaid is another possibility if you qualify. Medicaid offers low-cost, comprehensive coverage to low-income Americans. State income requirements differ, so you want to check the rules for your specific state.

How many Americans cannot afford their medications? ›

A poll from the Kaiser Family Foundation claims around 30% of adults report not taking their prescription meds because they're too pricey. One in five adults say they'd rather use over-the-counter drugs to avoid filling an expensive prescription, while some say they skip or take a smaller dose than they're prescribed.

Why is affordable medication important? ›

These high prices harm patients' health and exhaust federal, state, and private health care payers' resources. Legislation such as H.R. 3—the Lower Drug Costs Now Act—would allow the U.S. Department of Health and Human Services to negotiate prices directly with drug companies to lower the cost of drugs.

Who funds patients for affordable drugs now? ›

It is financed by the Action Now Initiative (ANI) which is funded by the Laura and John Arnold Foundation. It is bipartisan and does not accept funding from any organizations that profit from development or distribution of prescription drugs.

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