How Much is Zoloft With & Without Insurance?

Published on: 30 Mar 2023
Clinically Reviewed by Elizabeth Keohan, LCSW-C
How Much is Zoloft With & Without Insurance

Mental health is critical to overall well-being, but the cost of selective serotonin reuptake inhibitor medications like Zoloft can be a major barrier to access. Zoloft is an antidepressant prescription medication approved to treat multiple mental health conditions, including post-traumatic stress disorder (PTSD), major depressive disorder (MDD), obsessive compulsive disorder (OCD), panic disorder, and more. 

If you’re wondering how much is Zoloft without insurance, you’re not alone. It’s important to understand that several factors — including if you have a healthcare provider or not — can affect the price of a prescription drug. The average 30-day dose of Zoloft without insurance can cost anywhere from $76 – $500. That price may be slightly higher or lower, depending on multiple factors, including where you fill the Zoloft prescription, the dosage you’re prescribed, and if you use a coupon or savings card.  

Keep reading to learn more about Zoloft cost without insurance and how to find ways to get the price down by getting Zoloft online through Talkspace. 

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Is Zoloft Covered by Insurance?

Whether or not your health insurance covers Zoloft depends on your plan and provider. Most major insurers, Medicaid, and Medicare, all cover at least some form of generic medication of Zoloft, but there are often restrictions that limit how much coverage is available per month or year. Many plans require prior authorization before they’ll cover any prescription, so make sure to check with your insurance company first before paying for any branded or generic drug out-of-pocket.

Cost of Zoloft Without Insurance

How much does Zoloft cost without insurance? Unfortunately, there isn’t just one answer to this question. 

PharmacyZoloft (brand name)Sertraline (generic)

To determine your Zoloft cost without insurance, it’s essential to consider all factors that could affect the price.

Brand name vs. generic

Generic versions are much less expensive than their branded counterparts. If you’ve never wondered how much does generic Zoloft cost without insurance, you might be surprised to see the staggering difference. 


Location can play a vital role in determining the cost of prescriptions.


Drug prices vary significantly from pharmacy to pharmacy, even in the same town. So it pays to shop around and inquire about what your prescription will cost. In some cases, you can save yourself thousands of dollars a year. 


Dosage and quantity can significantly affect what you’ll pay for Zoloft. Some drugs are cheaper when you purchase them in more significant amounts, but this isn’t always possible with medications like Zoloft or other prescriptions. 

Manufacturer coupons and discount cards

Many pharmaceutical companies offer discounts on their products if you meet specific criteria. These programs can significantly reduce your out-of-pocket costs for medications like Zoloft.

Cost of Zoloft With Insurance

How much is Zoloft with insurance? If your health plan does provide coverage for antidepressants Zoloft, the price can range anywhere from $0 to up to hundreds of dollars. The price will depend on the type of policy you have and the deductible amount you must meet each year before your benefits kick in. Several factors can affect your Zoloft cost with insurance, so be sure to ask your pharmacy in advance, so you know what to expect.   

At Talkspace, we partner with many insurance providers to help you get the medication you need covered.

How to Get Zoloft Without Insurance

In studies, Zoloft has proven effective in improving and completely alleviating symptoms in people with depression. If you need Zoloft and can’t rely on health insurance, there are a few options to explore. First and foremost, consider using discount cards or programs — check with your doctor or try an internet search. These can offer access to reduced rates regardless of insurance coverage.

You also might want to look into mail-order services. Many companies specialize in providing brand name and generic medications straight to your door at cheaper than retail prices.  

Don’t forget you might be able to reduce your Zoloft price without insurance with the manufacturer’s coupon programs. These special offers help slash prices so you can afford the treatment you need.

  1. Talk to your doctor: Before attempting to get Zoloft without insurance, talk to your doctor about the best course of action. Depending on your individual needs and situation, they may be able to provide you with solutions, like a prescription for a more affordable alternative.
  2. Look into generic options: If your doctor has prescribed Zoloft, ask about the generic version (sertraline) that costs much less. Most pharmacies carry both versions of the drug. 
  3. Compare prices online: There are many online resources available to compare prices for different medications from various pharmacies in your area. This way, you can find the most affordable option for getting Zoloft without insurance coverage. Be sure to check out multiple sites before making any decisions. Depending on the location and availability of certain drugs in stock at each pharmacy, some may have better deals than others.
  4. Use a discount or coupon card: Some drug companies offer discount programs or coupons to make the cost of medications like Zoloft more affordable, even further when purchased without insurance coverage. These programs may require enrollment, but they could save you a lot of money. 
  5. Patient Assistance Programs (PAP): Patient assistance programs that provide free or discounted medications based on income level and other criteria. These should also be explored, since they could make getting Zoloft much more affordable for those who qualify.

Affordable Online Mental Health Treatment

Online mental health treatment is becoming increasingly popular with people who want access to quality care without the hassle of traditional therapy. Talkspace Psychiatry offers an affordable and convenient alternative for anyone seeking mental health help. With Talkspace, you can connect with a licensed psychiatrist or therapist from anywhere in the world through text, video chat, or phone calls.

Our online psychiatry services offer medication management by board-certified psychiatrists. This means you can get prescriptions for common drugs like Zoloft directly from your Talkspace psychiatrist — often at lower prices. These medications can treat anxiety, depression, bipolar disorder, or any other condition that you are facing. Find affordable medication and psychiatrist costs with us at Talkspace today.


  1. Sertraline (Zoloft). NAMI. Accessed February 7, 2023. 
  2. Lydiard RB, Perera P, Batzar E, Clary CM. From the bench to the Trench: A Comparison of Sertraline Treatment of Major Depression in Clinical and Research Patient Samples. The Primary Care Companion to The Journal of Clinical Psychiatry. 1999;01(05):154-162. doi:10.4088/pcc.v01n0504. Accessed February 7, 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.

Articles contain trusted third-party sources that are either directly linked to in the text or listed at the bottom to take readers directly to the source.

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