How to Save Money on Prescription Drugs

by Dr. Rhea Bautista

Prescription drug prices can take a big bite out of family budgets in Hawai‘i. But there are many ways patients can lower costs, from using insurance formularies wisely to exploring discount programs and asking for generic alternatives.

Use Your Insurance Formulary
Every health plan in Hawai‘i has a formulary – a list of medicines covered by your insurance. The formulary is divided into tiers. Lower-tier medicines usually cost less, while higher-tier or specialty drugs can cost much more.

Always check your plan’s drug list before filling a prescription. If your medication is not covered or is in a high tier, ask your doctor if another option is available.

Ask About Generics and Alternatives
Generic drugs have the same active ingredients as brand-name medicines but usually cost far less. Doctors can also sometimes prescribe therapeutic alternatives—different drugs that treat the same condition but come at a lower cost.

Use Discount Programs and Cards
Several free programs help families in Hawai‘i save on drug costs.

GoodRx: Offers coupons and price comparisons at local pharmacies. (goodrx.com)

Hawai‘i Rx Card: A free statewide discount card available to all residents. (hawaiirxcard.com)

Hawai‘i SHIP: Provides Medicare guidance and financial assistance information. (hawaiiship.org)

Talk to Your Doctor and Pharmacist
Always bring an updated list of all medications, vitamins, and supplements to your appointments. This helps your doctor look for lower-cost combinations or remove unnecessary medications. Pharmacists can also suggest generic versions or help you understand if splitting a higher-dose pill safely could lower costs.

Look for Patient Assistance Programs
Drug manufacturers and nonprofit groups often run programs to provide free or reduced-cost medicines for patients who qualify. Ask your doctor’s office or search online for the drug name plus “patient assistance program.”

Patient Tips Box: Smart Ways to Save

Check if your drug is on your insurance formulary. Ask for generic or lower-cost alternatives. Use GoodRx, Hawai‘i Rx Card, or other savings programs.

Always carry an updated medication list, including vitamins. Save receipts and estimates—appeal if costs are higher than expected.

By using formularies, discounts, and smart conversations with providers, Hawai‘i families can stretch their healthcare dollars further and reduce the stress of paying for needed medicines.

RHEA BAUTISTA, MD, is a healthcare strategist and entrepreneur serving as Director of Business Strategy and Growth at MDX Hawai‘i, co-founder of SB Solutions, and Executive Director of the Philippine Medical Association of Hawai‘i. She also advises the Primary Care Clinic of Hawai‘i on quality improvement.