Category: Warehouse Stores

  • How to Get Free Prescription Drugs (or nearly free)

    How to Get Free Prescription Drugs (or nearly free)

    Are your prescription drug prices going through the roof? Do you wonder sometimes, even if you have great health insurance, whether you’re going to have to make a choice between eating well (or eating at all) and taking your medicine? Has your doctor prescribed a medicine for you that you just don’t think you can afford? Well, you are not alone.

    Even in the younger set, prescription prices appear to be at an all-time high, and it doesn’t seem that there is any relief in sight. So here are some tips to help you find ways to reduce your prescription medicine costs. If one doesn’t work for you, maybe another one will. Keep going until you get some help!

    Get free or nearly free prescription drugs

    Did you know that doctors often aren’t aware of the cost of the medicines they prescribe?  Your first step when given a prescription slip, should be to ask the doctor for some samples. They get free samples all the time from visiting drug salespeople, so there should be at least a few to get you started. That way, if you discover that the medicine doesn’t work for you, or you have a bad reaction to it, you haven’t spent any money at that point, and you can move on to the next medication

    Generic pharmacy programs

    Surely by now you have heard of the low-cost generic prescriptions you can buy at discount stores like Walmart or Target – usually at a price somewhere around $4.00 per 30-day supply or $10 for 90 days’ worth. Be sure to pick up a brochure in the store where they detail the generic drugs that are available at those low prices, or go online to their prescription website to either search for your medication or download a complete, up-to-date list. From that list, you can talk to your doctor to see if any of the generics can be substituted for the pricey brand-name drug the doctor already set you up with.

    Online discount and bid pharmacies

    Another way to lower your costs is by using online pharmacies that are known to be reliable.  BidRx.com is an online pharmacy that will bid to reduce your prices for prescription drugs. There’s a short sign-up procedure to go through (when asked for a referrer, use “clark” as the name**) and an explanation of how the process works. You can enter the medication you are taking and get instant bids from competing pharmacies. You can choose the bid you prefer (shipping charges differ, so be sure to check those), and when you decide which price you prefer to take, you can Reserve the medication. If you don’t see a price you can live with, you can cancel the procedure and back out with no problems. After you confirm your prescription, there are several ways to get your doctor’s prescription and your payment to BidRxDirect.com and your prescription will be on its way.

     TogetherRX Access Card

    Another resource to check out if you need help with your medicines, check out TogetherRx Access Card, which offers a 25% to 40% discount on your prescription drugs. To be eligible, you must be under 65 and receive no prescription drug coverage from the government or an employer. There are some income limitations based on the number of people in your family, but you can get more detail and start the enrollment process by visiting TogetherRxAccess.com or call 1-800-444-4106.

     Drug company assistance programs

    Every drug company has a prescription assistance program that they administer for truly needy people that use very expensive prescription drugs. For example, I Googled “Glaxo Smith Kline free program” and came up with a list of approximately ten programs for people, both under and above age 65 to help with drug costs.  That was just for one drug company, but I have heard that all the big pharmaceutical manufacturers have a similar program.  Here are a few names to try:  Johnson and Johnson, Pfizer, Roche, Novartis, AstraZenica.  Here is a link to an article on Wikipedia that has links to all the big drug companies.

     Wholesale Clubs

    Finaly, don’t forget your local Sam’s Club, Costco, and BJ’s. Did you know that despite the people they have guarding the door from entrants without membership cards, you do not have to have a membership card at any of the warehouse clubs in order to use their pharmacies? Just tell the door guard that you are visiting the pharmacy and they have to let you in!

    So, if you are looking at the prospect of having to pay a huge proportion of your salary in prescription drug costs, don’t despair! Get busy and see how you can help yourself. One of the programs above may be just the answer for you!

    **I first heard of BidRx.com in one of Clark Howard’s excellent books, Living Large in Lean Times, available on Amazon.com. When he discussed the BidRx.com site, he said he had set up an access code of “clark.” Since he has one, and I don’t, and he shared his publicly, I am sure he won’t mind if you use it. Neither he nor I get one penny from a referral to BidRx.com (but the link to the book IS a referral link to my account at Amazon, so if you use my link to purchase the book, I’ll get a small commission.)
     
  • When is it Ever OK to Throw Food Away?

    When we last talked, I promised you that I would tell you how and why it is ever okay to buy more than you need, and (gasp) even throw food away in certain circumstances.

    First, I’d like to emphasize that I really am not in favor of waste. I believe that we should do our best to buy what we need and use up what we buy. And of course, it’s good to plan ahead so that you will have a use for (especially) ALL the food you buy, and I encourage you to do that.

    But when you think about it, we are in a war: a war to make the best use we possibly can of our limited resources. Most of the time, unless your last name is Rockefeller or Gates, one of those scarce resources is money, and it’s my intention to help you keep as much of it as you can where it belongs: in your pocket.

    There are only two people in my household: my husband and I. We can only eat so much. We can only use so many cleaners, so many paper towels, so much laundry detergent. But we maintain a membership at Sam’s and at Costco, and I believe that even with only two people, it’s a good thing to do.

    One of the things that you hear often, when listening to people who talk about money, budgeting and finances, is that you shouldn’t buy more than you can use because it will go to waste. Well, maybe it will (though I still believe that with proper planning, you don’t have to throw food away much at all – we never do). But think about it: which would you rather waste, a little bit of food, or your money?

    I contend that you will be better off in the long run wasting a little bit of food instead of a good bit of money, if that’s the choice you have! And in many cases, it might be the best choice you have!

    Hubby and I went to Sam’s recently to buy some of our regular groceries. We put a few things in our cart that we had already planned to buy and I took the opportunity to do some comparison shopping between Sam’s and Walmart. I found some pretty interesting things!

    We tend to buy foods that I call “real” foods. They are foods that are processed as little as possible, and close to how they came from nature. For example, obviously, there is some processing involved with milk in order to make sour cream, cream cheese, and cottage cheese, but we buy them not already made into another product, like lasagna, or fettuccine Alfredo. I make my own lasagna, my own Alfredo sauce, and I make my fettuccine out of zucchini (we don’t eat wheat, so there are a lot of substitutions, but that’s another story!)

    So when we went to Sam’s, I made a point to comparison shop with foods that we normally buy. For example, I looked at:

    Sour cream
    Cream cheese
    Cottage cheese (Can you tell we like dairy products?)
    Jalapeno slices
    Pace Salsa (Oops! A manufactured food!
    Green Beans
    Catsup (Another manufactured food, but I put it for convenience only, since I make my own catsup.)
    Whole Peeled Tomatoes
    Tomato Sauce

    I discovered that when comparing between the two stores, if you plan to eat enough of the item, then you can eat that much for the same price as you would have paid for the same item at Sam’s, and any additional amount of the item you purchased at Sam’s – is free! Since it’s free, you can do any number of things with it, including adding it to recipes for the week, splitting it with friends and neighbors, or, if you really can’t think of anything else to do with it, you could throw it away, but I don’t recommend that at all.

    I realize that it all sounds a bit confusing. If you think YOU are confused, you should have seen me trying to figure out how to explain this! So, let’s take the first example: sour cream. The largest container of sour cream at Sam’s is 80 ounces and costs $5.88. The largest container I found of sour cream at Walmart was 24 ounces and cost $2.68. The Sam’s sour cream cost 0.0735 per ounce and the Walmart sour cream cost .1117 per ounce. So we can already see that it’s less expensive to buy our sour cream at Sam’s, but that’s pretty much what you expected, anyway, right?

    The big question is: will you eat enough sour cream before it goes bad to justify buying the larger container? Well, let’s see (and I hope you like dip!) The $5.88 you spend at Sam’s buys 80 ounces, as we said, but this same amount of money will only buy 53 ounces of sour cream at Walmart. So, if you choose the Sam’s container, then every bite of sour cream you eat more than 53 ounces is “free,” Even if you have to throw away up to 26 ounces of sour cream from the Sam’s container, you still came out ahead, as long as you buy it at Sam’s AND as long as you use at least 53 ounces of sour cream.  <=Click to Tweet

    The next item I chose was Pace Medium Salsa. There were several types to choose from but I will demonstrate the difference between the warehouse store price and the lowest-price per ounce option at Walmart. The largest, and of course, least cost per ounce, was the 138-ounce container at Sam’s. At $8.78, the price was only .0636 per ounce. For the offerings from Walmart, the same-brand least expensive Salsa was 64 ounces at $5.65 (.0883 per ounce). Now keep in mind that this is the same brand and variety (medium) salsa; the only difference is the size of the containers. So, if you choose at Sam’s to purchase the 138-ounce container, you would need to eat 100 ounces of the salsa in order to get the rest of the salsa for “free” (hey, that’s MORE than a quart) compared to what you would pay at Walmart. Hey, I have an idea: mix the free sour cream with the free salsa and have a party! For FREE!

    Here are a few other options I figured out for you. I won’t go through the individual calculations; it’s always the same, just like the above descriptions, but for reference, I used the least-expensive choice at Sam’s compared with the least-expensive alternative at Walmart. If you were to try these comparisons against products at other grocery stores, you would have even a larger amount of “free” product when you buy at Sam’s, as long as the items are more expensive than they are at Walmart (and most groceries are, indeed, more costly at other grocery stores).

    Item

    Sam’s Size

    Sam’s Price/Oz.

    Walmart Size

    Walmart Price/Oz.

    How much of Sam’s item to eat – and then the rest is free!

    Free Amount for this Item

    Philadelphia Cream Cheese 48 oz. .1350 8 oz. .2475 27 oz. 21 oz.
    B & C Cottage Cheese 80 oz. .0873 (Kraft Simply) 24 oz. .1100 63 oz. 16 oz.
    La Costena Jalapeno Slices 93 oz.(#10 can) .0458 12 oz.(Old El Paso) .2067 21 oz. 72 oz.
    Del Monte Cut Green Beans 101 oz. (#10 can) .0315 14 oz. .0345 93 oz. 8 oz.
    Hunt’s Catsup 114 oz. (#10 can) .0288 35 oz. .0476 69 oz. 45 oz.
    B & C Tomato Sauce 102 oz. (#10 can) .0262 8 oz. (Great Value) .0413 68 oz. 34 oz.
    B & C Whole Tomatoes 102 oz. (# 10 can) .0273 14.5 oz. .0386 73 oz. 28 oz.
    Sour Cream 80 oz. .0735 24 oz. .1117 53 oz. 27 oz.
    Pace Medium Salsa 138 oz. .0636 64 oz. .0883 100 oz. 38 oz.

    If you are creative, you will soon discover that it’s not necessary (and certainly not desirable) to throw away the food you have received for free. Why don’t you do some advance menu planning and find good ways to use this extra food you got? Tomato sauce is one of my favorites: if I can’t figure out a way to use it within a short time, I just put it in a small plastic container and freeze it! Then, it’s ready any time! Catsup essentially lasts “forever,” so having extra of it is no problem, and as long as you plan to use the tomatoes in soups and stews, they can be frozen as well. I have known cream cheese to last months, unless I was making a cheesecake. Green beans might be a little more problematic, because you have to consume 93 ounces before you start pulling ahead, and if there was one item on this list that I consider least worth it, it would be the green beans. As you can see by the chart, you only get 8 ounces for free, anyway.

    I hope you will take this idea and run with it. Figure out which foods you can get “free” if you carefully check your prices, and see which ones work best for you.

      To Recap:
    1. Almost all foods are less expensive when purchased in bulk (but check to make sure)
    2. Figure up how much of the less expensive food you would have to eat to equal the cost of the more expensive food; what’s left is your “free” component
    3. Plan ahead for how to use up your “free” foods so you won’t end up throwing them away

     

    Enjoy your savings!