Many drug manufacturers run patient assistance programs or copay savings offers, particularly for expensive brand-name medications. Depending on the program, eligible patients may get the drug at a reduced price or, in some cases, at no cost. These offers are rarely advertised at the pharmacy counter, so you usually have to seek them out.

Eligibility rules vary. Some programs are based on income, some require that you have private insurance, and some exclude people with government-sponsored coverage. Nonprofit organizations and foundations focused on specific conditions may also help with medication costs. Hospital social workers and your doctor's office staff often know which programs are worth applying for.

Start by visiting the official website for your medication or asking your doctor's office for guidance. Applications can take time and may require proof of income and a doctor's signature, so begin early. Be wary of anyone who charges a fee just to help you apply, since many legitimate programs can be used directly at no charge.