How Much is Prozac With & Without Insurance?

Quick Summary

• Prozac costs $50–$100 per month without insurance, depending on dosage, pharmacy, and whether you choose brand-name or generic.
• With insurance, Prozac is often covered, and out-of-pocket costs may be as low as a copay.
• The generic version of Prozac, fluoxetine, can cost as little as $4 per month without insurance.
• Costs vary based on dosage, pharmacy pricing, insurance plan, and discounts.
• If you’re uninsured, generic medications, pharmacy discount programs, and online psychiatry services can help make treatment more affordable.

According to the Centers for Disease Control and Prevention (CDC), an estimated 13% of adults used some form of antidepressant medication in the last month. Unfortunately, despite a clear need, the cost of psychiatrist prescribed medication like Prozac (Fluoxetine) without health insurance can be a barrier for many people seeking mental health help.

Prozac treats symptoms of conditions like major depressive disorder (MDD), panic disorder, obsessive-compulsive disorder (OCD), and some eating disorders. It’s in the class of drugs known as selective serotonin reuptake inhibitors (SSRIs), which are effective and typically affordable, but when you’re taking a drug long-term, “affordability” can add up, especially if you don’t have insurance and are paying out of pocket.

Explore these and other questions about Prozac coverage in detail here, so you can manage your mental health care and find an option that works — regardless of whether or not you’re insured. Let’s dive into topics like how much is Prozac without insurance, its cost when using different types of insurance, and where and how you can get quality care.

Is Prozac Covered by Insurance?

Many people wonder: is Prozac covered by insurance? The answer depends on your insurance type and your plan’s coverage for prescription medications.

Employer-sponsored health plans typically cover some or all the cost of Prozac prescriptions and the cost of a psychiatrist session. However, it’s important to check what specific coverage you have for Prozac before filling a prescription at a participating pharmacy.

Medicaid provides comprehensive healthcare benefits, including prescription drug coverage for many prescription medications like Prozac. Rules regarding which medications are covered under Medicaid can vary, so be sure to get any information you can about qualifying for Prozac prescriptions.

What Factors Affect the Cost of Prozac?

The cost of Prozac can vary widely depending on several factors related to your prescription, pharmacy, and insurance coverage. Understanding these variables can help you estimate your monthly costs and find more affordable options.

Key factors that affect the cost of Prozac include:

• Brand-name vs. generic medication: Brand-name Prozac is typically more expensive, while the generic version, fluoxetine, is significantly cheaper and widely available.
• Dosage and strength: Higher doses or multiple daily doses generally cost more than lower-dose prescriptions.
• Quantity prescribed: A 90-day supply may cost more upfront but can be cheaper per month than a 30-day supply.
• Pharmacy pricing: Prices vary between local pharmacies, big-box retailers, and online pharmacies.
• Insurance coverage: Your plan’s formulary, deductible, copay, or coinsurance can significantly impact out-of-pocket costs.
• Discount programs or coupons: Pharmacy discount cards, manufacturer programs, or online coupons can reduce costs, especially for generic fluoxetine.
• Additional pharmacy fees: Delivery charges or convenience fees may increase the total price.
  

Because pricing depends on multiple variables, comparing pharmacies and asking about generic options or discounts can help lower the cost of Prozac, especially if you’re uninsured.

How Much Does Prozac Cost Without Insurance?

On average, Prozac costs between $50 and $100 per month without insurance. With that said, costs can also vary depending on your prescribed dose, the pharmacy you use, and whether you take the brand-name medication or the generic version, fluoxetine. Generic fluoxetine can cost as little as $4-15 per month for a 30-day supply.

How Much Does Prozac Cost With Insurance?

With insurance, Prozac is typically covered, and most people pay a copay of $5 to $30 per month, depending on their plan. Generic fluoxetine is often placed on a lower formulary tier, which can further reduce out-of-pocket costs. Coverage and pricing vary by insurance type and deductible status.

How to Get Prozac Without Insurance

Wondering about how to actually get this drug without coverage? Follow these tips:

1. Speak to your doctor: If you don’t have insurance, speak to your doctor about the cost of Prozac and other medications that may be available at a lower price. They may be able to provide you with a prescription for Prozac at no or reduced cost.
2. Check out any discount programs: Many pharmacies offer discount programs for people without insurance coverage. Ask your local pharmacy if there are discounts or coupons available.
3. Look into Patient Assistance Programs (PAPs): Patient Assistance Programs (PAPs) offered by pharmaceutical companies can help cover the costs of medications like Prozac for those who meet specific financial and medical criteria. To learn more about these programs, visit the websites of the pharmaceutical company that manufactures Prozac or ask your doctor for information on the available options.
4. Ask for the generic alternative: When available, the generic medication options will be much lower in price than brand-name versions. Ask your doctor if the generic version of Prozac, Fluoxetine, is right for you.

Affordable Online Mental Health Treatment

Managing the cost of Prozac, whether with or without insurance, can feel overwhelming, but affordable options are available. Whether you choose brand-name Prozac or the generic version, fluoxetine, understanding your insurance coverage, pharmacy pricing, and available discounts can help lower out-of-pocket costs.

If you don’t have insurance, online psychiatry services with Talkspace can help bridge the gap. Through Talkspace, you can connect with a licensed psychiatrist online who can evaluate your symptoms, discuss treatment options, and prescribe Prozac online when appropriate — all without needing in-person visits.

By combining online care with affordable prescription options, it’s possible to access consistent mental health treatment that fits your needs and your budget. If cost has been a barrier to starting or continuing Prozac, online psychiatry may be a more accessible path forward. Connect with a Talkspace psychiatric provider today.

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Sources:

1. Antidepressant Use Among Adults: United States, 2015-2018. Centers for Disease Control and Prevention. https://www.cdc.gov/nchs/products/databriefs/db377.htm. Published September 4, 2020. Accessed February 8, 2023.

Talkspace articles are written by experienced mental health-wellness contributors; they are grounded in scientific research and evidence-based practices. Articles are extensively reviewed by our team of clinical experts (therapists and psychiatrists of various specialties) to ensure content is accurate and on par with current industry standards.

Our goal at Talkspace is to provide the most up-to-date, valuable, and objective information on mental health-related topics in order to help readers make informed decisions.

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