If you’ve been prescribed Jardiance for Type 2 diabetes or heart failure, you already know how important it is for managing your health.
What you might not know until you get to the pharmacy counter is just how expensive it can be. The price of Jardiance without insurance can be a shock, and even with coverage, high deductibles and copays make it difficult for many to afford.
The good news? There are ways to save, and The RX Advocates can help you navigate the options. Whether you have private insurance, Medicare, or no coverage at all, there are strategies to lower your out-of-pocket costs.
The High Cost of Jardiance Without Insurance
The use of the Jardiance saving card dramatically changes the situation in the treatment of diabetes and heart failure. It helps lower blood sugar levels by preventing the kidneys from reabsorbing glucose into the bloodstream.
In addition to improving A1C levels, it has been shown to reduce the risk of cardiovascular events, making it a crucial medication for many.
Unfortunately, that effectiveness comes at a cost. The average retail price for a 30-day supply of Jardiance hovers around $600 to $700 without insurance. That means an uninsured person could be paying more than $8,000 per year for their medication.. For many, that’s simply not affordable.
With out-of-pocket costs this high, it shouldn’t come as much of a surprise that some people skip doses, cut pills in half, or look for alternative treatments.
The issue with that is, skipping medications can have serious health consequences. Fortunately, there are multiple ways to bring the cost down, whether you have insurance or not.
How Insurance Can Help Cover Jardiance Costs
If you have private insurance, Medicare, or Medicaid, your plan may help cover Jardiance, but the amount you pay depends on the details of your policy.
Many people are caught off guard by high co-pays, deductibles, or formulary restrictions, making it essential to understand how your insurance plan categorizes this medication.
Private Insurance Coverage
Most commercial insurance plans include Jardiance in their drug formulary, but costs vary depending on:
- Deductibles: If you haven’t met your deductible for the year, you may have to pay the full cost of Jardiance until your insurance starts covering a portion.
- Co-pays and Co-insurance: Some plans require a flat co-pay, while others charge co-insurance, which means you pay a percentage of the medication’s price.
- Formulary Placement: Insurance companies divide medications into tiers, with lower-tier drugs costing less. Jardiance is often placed in a higher tier, leading to higher out-of-pocket costs.
If Jardiance is too expensive with your current insurance, you can:
- Check your plan’s formulary for lower-cost alternatives: Some SGLT2 inhibitors or other diabetes medications may be covered at a lower cost.
- Use manufacturer savings programs: If you have commercial insurance, the Jardiance savings card can reduce your co-pay to as low as $10 per month.
- Look into patient assistance programs: If you’re struggling with high costs, The RX Advocates can help you access assistance programs that significantly reduce or even eliminate your costs.
Even with insurance, co-pays for Jardiance can be expensive. Some plans place it on a high tier, meaning patients pay a larger percentage of the cost. Understanding how your insurance covers Jardiance, and finding ways to lower your share of the cost, can make a big difference.
How Much Does Jardiance Cost With Medicare?
If you have Medicare, your out-of-pocket cost for Jardiance will depend on your plan’s structure. Here’s what you can expect:
- Medicare Part D and Medicare Advantage Plans: These typically cover Jardiance, but costs will vary depending on whether you’ve met your deductible and what coverage phase you’re in.
- The Coverage Gap (Donut Hole): If you reach this phase in your plan, you may have to pay up to 25% of the drug’s retail price, which could be around $150 to $200 per month for Jardiance.
- Catastrophic Coverage: Once you’ve spent enough out of pocket to enter this phase, your costs may drop significantly.
When Will Generic Jardiance Be Available?
Many people hope that a generic version of Jardiance will lower costs in the future. However, due to patent protections, a true generic may not be available until at least 2029 or later.
Even once a generic hits the market, prices won’t necessarily drop immediately. Brand-name manufacturers sometimes extend exclusivity rights, delaying generics further. And when generics do become available, they may still be costly at first.
If you need affordable medication now, waiting for a generic may not be the best strategy. Instead, consider other cost-saving options available today.
Are There More Affordable Options?
If the cost of Jardiance is too high, your doctor may recommend an alternative medication that better fits your budget and health needs. There are several options available, including other SGLT2 inhibitors and medications from different drug classes that help manage blood sugar levels and reduce the risk of heart complications.
Alternative SGLT2 Inhibitors
SGLT2 inhibitors work by helping the kidneys remove excess sugar through urine. If Jardiance is too expensive, your doctor may suggest one of these similar medications:
GLP-1 Receptor Agonists
If an SGLT2 inhibitor isn’t the right fit, your doctor might recommend a GLP-1 receptor agonist. These medications help regulate blood sugar, promote weight loss, and offer cardiovascular benefits:
Can Coupons and Discount Cards Help?
Many people turn to discount cards and manufacturer coupons to reduce medication costs. While these can offer temporary relief, they’re not always a long-term solution.
Manufacturer Savings Programs
Boehringer Ingelheim, the company behind Jardiance, offers a savings card for those with commercial insurance, which can reduce the cost to as low as $10 per month. However, these discounts don’t apply to Medicare or Medicaid patients.
Patient Assistance Programs
For those who can’t afford Jardiance, patient assistance programs (PAPs) provide the most consistent and significant savings. These programs, offered by pharmaceutical companies, help eligible patients get their medication at little to no cost.
The Best Way to Save? Patient Assistance Programs
While coupons and discount cards provide short-term relief, patient assistance programs offer long-term savings. These programs, sponsored by pharmaceutical companies, help low- and moderate-income patients access expensive medications at a reduced cost.
The challenge? Many PAPs have complicated applications, strict eligibility requirements, and long approval times. That’s where The RX Advocates comes in.
The RX Advocates helps patients qualify for and enroll in PAPs without the hassle. If you meet income requirements, you could get Jardiance for just $49 per month, which is a fraction of the retail price.
Unlike coupons or discount cards, PAPs provide consistent savings, month after month, meaning you have constant access to your medication.
FAQs: Your Jardiance Savings Questions Answered
- Can I get Jardiance for free? Some patient assistance programs provide medication at no cost, but eligibility depends on income and insurance status.
- What if I have insurance but still can’t afford Jardiance? Even with insurance, Jardiance can be expensive. PAPs, manufacturer savings programs, and discount cards can all help lower costs.
- How do I apply for a patient assistance program? Each program has different requirements. The RX Advocates simplifies the process, handling paperwork and enrollment to ensure you get the lowest price possible.
- Will my insurance cover Jardiance next year? Insurance formularies change yearly, so it’s a good idea to check with your provider during open enrollment to confirm coverage.
Take Control of Your Jardiance Costs with Expert Guidance
The high cost of Jardiance shouldn’t keep you from getting the medication you need. Whether you have insurance, Medicare, or no coverage at all, there are proven ways to lower your out-of-pocket costs.
At The RX Advocates, we specialize in navigating patient assistance programs to secure the most affordable options for you. No more endless paperwork, confusing eligibility requirements, or paying more than necessary. We handle the process so you can focus on what matters most – your health.
Don’t wait another day for life saving medication. Take the first step toward significant savings by calling us at 844-559-8332 or visiting our website. Let The RX Advocates help you get Jardiance at a price you can afford.