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Jeremy Specht from Elkin Insurance is helping people understand the Supplement and perscription drug insurance world and navigating all of their insurnce needs


Do you take expensive medication's that are hard for you to pay for? Do you make less than $50,000 a year single and $100,000 a year married? Drug manufacturers often have patient assistance programs that you may qualify for. To learn more look at the list below and click on the appropriate links to be directed to each individual manufacture patient assistance program.

Where to find HELP:

1- Talk with your PCP for a generic or less expensive option.

2- Ask if you can receive Free Samples from your Doctor

3- Tip - Copays are by the 30 days supply not by quantity. Ask Doctor for a higher quantity

4- Ask Your Doctor to apply to the Federal Rx Assistance Program for you

5- Go to your local Department of Health & Social Services - DHSS - Apply for Medicaid/Extra Help

6- Apply for the State Pharmacy Assistant Program SPAP at or call them at 866-331-1348

Many states have SPAPs that help certain people pay for prescription drugs based on financial need, age, or medical condition. HIV HMAP in NC


7- educate yourself and be a smart consumer. 



9- Manufacturer assistance programs. 

Many drug manufacturers offer assistance programs for people with Medicare drug coverage who meet certain requirements. Visit to learn if there are any programs available for the drugs you are taking.


10- Supplemental Security Income (SSI) Benefits

Supplemental Security Income (SSI) Benefits

SSI is a cash benefit paid by Social Security to people with limited income and resources who are blind, 65 or older, or have a disability. SSI benefits aren’t the same as Social Security retirement benefits. You may be able to get both SSI benefits and Social Security benefits at the same time if your Social Security benefit is less than the SSI benefit amount, due to a limited work history, a history of low-wage work, or both. If you’re eligible for SSI, you automatically qualify for Extra Help, and are usually eligible for Medicaid.



12- Other Discount Rx Websites

Bristol Myers Squibb Patient Assistance Foundation (BMSPAF)






Whether you are applying to BMSPAF for the first time or requesting continued assistance, your application may be processed more quickly if you include proof of your household income from a Federal Tax Return or other income documentation including:

  • 1099 forms

  • Social security statements

  • Pension statements

  • Two consecutive pay stubs

Note to Medicare Patients:
In addition to your application, you will need to submit documentation showing you have spent 3% of your annual household income on out-of-pocket prescription expenses for you and/or other members of your household for the year in which you are seeking assistance. Your pharmacy can provide this report.

For example – if your annual household income is $10,000, you would need to spend at least $300 on prescription expenses for you and/or other members of your household. Prescription expenses include your out-of-pocket expenses for any prescriptions filled beginning January 1st of the year you are seeking assistance.

This 3% out-of-pocket prescription expense is in addition to our other eligibility criteria, including financial eligibility. We may not be able to process your application until we receive documentation of these out-of-pocket prescription expenses. 

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