Free discount cards and coupon websites negotiate prices with pharmacies and pass the lower rate along to you. You show the card or coupon code at the counter, and the pharmacy rings up the discounted price instead of the usual retail cost. They can be especially handy if you're uninsured or your plan doesn't cover a particular drug.

Prices vary between cards and pharmacies, so it's worth checking a couple of options for each prescription. As with paying cash, using a discount card instead of insurance usually means the purchase doesn't count toward your deductible.

Be cautious about cards that charge a membership fee or ask for more personal information than they need. Legitimate discount cards are typically free to use. Also remember that discount cards are not insurance, and they generally can't be combined with your insurance coverage on the same fill. Ask your pharmacist which option gives you the best price.