Pay less for your prescriptions

A plain-language guide to manufacturer copay cards and patient assistance programs, and how to find the official program for your medicine.

What is a copay card?

A copay card (also called a copay coupon or savings card) is offered by a drug manufacturer to cover part of your out-of-pocket cost for a brand-name medicine. You show it at the pharmacy along with your insurance card.

• Usually for people with commercial or private insurance.
• Generally cannot be used with Medicare, Medicaid, TRICARE or other government-funded plans.
• Most have an annual maximum benefit and an expiration date.
• Check whether your plan uses a copay accumulator or maximizer, which can change how much the card helps over the year.

What is a patient assistance program (PAP)?

A PAP is run by a manufacturer or a nonprofit foundation and can supply medicine at no cost or reduced cost. Eligibility is usually based on:

• Household income, often compared with the Federal Poverty Level.
• Insurance status (uninsured, underinsured, or Medicare Part D in some foundation programs).
• U.S. residency and a valid prescription.

How to apply

1. Find the official program for your medicine using the resources below or the manufacturer's website.
2. Check the eligibility rules and gather proof of income and insurance.
3. Ask your prescriber to complete their section of the application if required.
4. Submit the application and keep a copy. Re-enroll before it expires.

Trusted places to search for programs

• Medicine Assistance Tool (MAT)Manufacturer PAP search.
• NeedyMedsPAPs, copay cards, discounts.
• RxAssistPAP directory.
• HealthWell FoundationCopay and premium assistance.
• PAN FoundationAssistance incl. Medicare.