Coronavirus Self-Employed & Small Limited Company Help
19 April 2021
Cheap & Free Prescriptions
Pricey pills and health treatments can leave your wallet feeling woozy. It's time for a MoneySaving medical. Top tips include using an NHS 'season ticket' for regular prescriptions, how to get a free or cheap flu jab and the best drink to help the (generic) medicine go down.
While prescriptions are free in the rest of the UK, they cost £9.35 per item in England.
The aim of the prescription system is simple. It's a flat fee, so that people can afford any necessary medicine regardless of cost. Yet for those on regular prescriptions, it can add up. Check if you can save (and beat the upcoming price hike) with a prepayment certificate.
All medicines administered by a GP or in hospitals or NHS walk-in centres are free (not if they prescribe you something to take away). Also free are prescribed contraceptives, and treatments for most sexually transmitted diseases, tuberculosis and some mental health conditions (if the medicine has been prescribed under a community treatment order).
Sadly if you're in England, nipping across the border to one of the neighbours won't help – but some still qualify for free prescriptions.
You are entitled to free medicines if:
You're under 16 or over 60.
You're in full-time education and 16-18 years old.
You're pregnant or had a baby in the last 12 months, and have a valid maternity exemption certificate (known as a 'MatEx'). It's valid for 12 months after your due date, though can be extended if your baby is born later than expected.
You have a valid medical exemption certificate (known as a 'MedEx') – given for a range of illnesses, such as epilepsy or cancer, or severe disability.
You or your partner receive income support, income-based jobseeker's allowance, income-related employment & support allowance, or pension credit guarantee credit.
You're receiving universal credit and your earnings for the most recent assessment period were £435 or less (it's £935 or less if your universal credit includes an element for a child, or if you have a 'limited capability for work' or 'limited capability for work and work-related activity').
You're under 20 and are the dependant of someone who receives income support, income-based jobseeker's allowance, income-related employment & support allowance, pension credit guarantee credit. In some cases you may also qualify if you claim universal credit.
You have a war pension exemption certificate.
You're an NHS inpatient.
Or if you're entitled to or named on:
a valid NHS tax credit exemption certificate – if you don't have a certificate, you can show your award notice. You qualify if you get child tax credits, working tax credits with a disability element (or both), and have income for tax credit purposes of £15,276 or less.
a valid NHS certificate for full help with health costs (known as an 'HC2').
People named on an NHS certificate for partial help with health costs (HC3) may also get some assistance towards prescription costs. Find out more about the NHS Low Income Scheme (LIS).
If you qualify for free prescriptions, just fill in the back of the form at the pharmacist. Don't be tempted to lie – a false declaration can lead to a fine and prosecution.
If you or your child has a minor health complaint and you're already entitled to a free prescription, you may also be able to get free non-prescription medicines and treatments through the little-known NHS minor ailments scheme.
This generally means you'll be able to get what you need from your local pharmacist at no cost – though it's not available everywhere.
This is great news if you or your little'uns suffer from the sniffles – it can save a fortune treating common conditions such as coughs, diarrhoea, eczema and head lice. It's unlikely you'll be given branded drugs like Calpol or Nurofen, but you can get generic, unbranded equivalents, plus things like eye drops.
Remember... the meds you get for free through this scheme are paid for by the (increasingly cash-strapped) NHS – and ultimately taxpayers.
So only get what you really need, but can't afford. Many generic medicines cost pennies and are quicker to get hold of.
In Scotland all community pharmacies run the scheme, but in England, Wales and Northern Ireland it's run by the NHS locally – some areas will offer it, but others won't. Here's what to do:
Step 1: Check whether the scheme's available in your area. You'll find it in selected Boots and Lloyds pharmacies, plus other chains and independents. Ask your local pharmacy for info.
Otherwise, in England it's worth checking with your local health service body – 'Clinical Commissioning Group' in NHS jargon – to see if the scheme's offered locally. (Find yours on the NHS website.)
Step 2: Find out if you qualify. It works differently across the UK. In some parts of England, you can just turn up at the pharmacy as long as you're registered with a GP and eligible for free prescriptions but you'll need to check.
Outside England, prescriptions are free for all so there are other criteria. In Scotland it's for under-16s, under-19s in full-time education, those aged 60+ and those with a medical exemption certificate or on certain benefits – see NHS Scotland. In Wales and Northern Ireland it varies, so check with your pharmacist.
Pay for a prescription in England and it costs £9.35 a time, so if you need them regularly it can really add up. Alternatively, you can get a prepayment certificate – it's a bit like a prescription season ticket and can mean big savings.
A three-month one costs £30.25 and a year's costs £108.10 – and once you've got it, it covers all your prescriptions in that time.
As a rule of thumb...
Prepayment certificates win for people using at least one prescription a month over a long period.
If you're literally just getting one prescription a month for the short-term (up to three months) then you're better off getting single prescriptions, but if you're getting more prescriptions each month or at least one a month over a longer period, then you'll definitely save with a payment certificate.
Someone who gets two prescriptions a month would save more than £100 a year, compared with paying for individual prescriptions.
Apply via the NHS Prescriptions site. You can pay by card or, to spread the cost, direct debit. Forms are also available at certain pharmacies, or alternatively call 0300 330 1341.
If you become eligible for free prescriptions after buying a certificate, you can reclaim the proportional cost for that time.
In the table below, we've shown how much you'll pay for regular single prescriptions compared with the cost of a prepayment certificate to see if it's worth it for you.
|1 ITEM A MONTH||£28.05||£112.20|
|2 ITEMS A MONTH||£56.10||£224.40|
|3 ITEMS A MONTH||£84.15||£336.60|
Certificates usually start on the day applications are received. However, if you've shelled out for some in the last month you can request it's backdated up to one month earlier – and reclaim the cost.
If you have to pay for a prescription while waiting for your certificate, you can claim back the cost up to three months after paying.
You must ask for an NHS receipt (FP57) from the pharmacist when you pay for the prescription(s) – you can't get one later.
If you're prescribed common medication such as painkillers or dermatology creams that are also available over the counter, often it's cheaper to buy them that way rather than pay for a prescription.
There's no hard and fast rule, though. On the flip side, if you use a lot of medication such as three months of antihistamine for summer hay fever, getting a doctor to do a bulk prescription is often cheaper. Plus if you've already bought a prepayment certificate, you'll pay nothing extra.
|Hydrocortisone (1%)||15g tube||£9.35||£3.50|
|(1) Prices from Boots.com, April 2021|
While NHS prescription prices are fixed, pharmacies can set their own for private prescriptions. These are given when you want a drug not covered by the NHS in your region, such as Malarone to prevent malaria if you're travelling and some cancer drugs.
It could be a drug for a lifestyle-enhancing purpose, such as sexual aid Viagra (although this can be on the NHS if your erectile dysfunction's caused by a medical problem, like diabetes, prostate cancer or a kidney transplant) or anti-baldness drug Propecia.
Non-NHS doctors can't give NHS prescriptions. So go to one for emergency weekend diagnosis, or because you're a member of a scheme, and you'll get a private prescription.
Unlike the world of NHS prescriptions, with private prescriptions it's an open marketplace and pharmacies can set their own prices, meaning costs vary hugely.
The table below shows how prices can vary for just one item, but it can be an even bigger difference if you ask for the generic version.
The NHS says flu vaccination is particularly important this year because if you get flu and coronavirus at the same time, research shows you're more likely to be seriously ill. Getting vaccinated will also help reduce pressure on the NHS.
Plenty of people qualify for a free jab through the NHS, and if you're among those it lists as being at risk, it's recommended you have the vaccine every year to protect yourself anyway. Check the free flu jab criteria below to see if you're eligible.
Normally you'd get the vaccine as an injection, although the NHS says for most children it's administered via a nasal spray instead. The NHS advises that most children only need a single dose, but those who have not had the vaccine before should be given a second dose four weeks later.
A number of people qualify for a free NHS flu jab each year, and this year the list has been expanded. Here's who qualifies:
To get an NHS flu jab, contact your GP surgery or a pharmacy offering the service. All the pharmacies in the table below offer the free flu jab, and it may be available at your local independent pharmacy, but you'll need to check.
Some midwifery services provide flu jabs for pregnant women.
Some employers also offer free flu vaccinations, so it's worth checking if you can get the jab at work (many are giving vouchers to use at local pharmacies this year). These schemes are typically open to everybody, but may be run on a first come, first served basis, so make sure you sign up promptly.
If you don't qualify for a free flu jab on the NHS or at work, you'll have to pay. You can often get it privately at your GP, but prices vary. We've seen it cost up to £40 for adult vaccinations. It can be significantly cheaper from major supermarkets and pharmacies (around £8-£14).
Here's what each of the major pharmacies are charging this winter. Bear in mind availability may vary by location. It's also worth checking prices at independent pharmacies.
The pharmaceutical industry's full of genuine wizards – both those who make the drugs that help, and the marketeers who use a raft of tricks to persuade us there's hidden magic in their brands. Drug companies spend millions promoting 'only-use-the-name-you-know' messages... but it's often marketing baloney.
It's important to realise you can often save big by buying an IDENTICAL pill, just in different packaging. Some tablets are just a third of the price of their doppelgangers.
How to spot which tablets are identical. Check the 'PL number' on the packet. It's a unique licence number given exclusively to a particular drug made by a particular manufacturer (eg, PL 12063/0104 is a cold and flu remedy). The medicine's sometimes put in different packaging, but if the PL numbers match, it's the SAME drug.
To show how much you can save, in 2016 we looked for the cheapest prices we could find for a range of cold and flu drugs, in store and online where possible, at Asda, Boots, Home Bargains, Lloyds, Poundland, Poundstretcher, Sainsbury's, Savers, Superdrug, Tesco and Wilko.
We excluded independent pharmacies from the research as pricing can vary widely, and internet pharmacies due to the cost of delivery, though both can be competitive. Here are the prices we found for brands and identical own-brand equivalents at four major chains – these include the cheapest and most expensive overall in each case:
|Max Strength Sinus Capsules (16) PL 12063/0067
||£3.29||n/a||n/a||95p||Sudafed Congestion & Headache Relief £2.99 (1)||71%|
|Max Strength Cold & Flu Capsules (16) PL 12063/0066||£3.29||£2.55||£3.29||95p||Benylin Cold & Flu Max Strength Capsules £2.40||71%|
|Max Strength All-In-One Sachets (10) PL 12063/0104||£3.89||£3.89||n/a||£1.85||Beechams Max Strength All-In-One £3||52%|
|Children's Cough Syrup
|£2.29 (200ml)||n/a||n/a||n/a||Calcough Children's Soothing Syrup £3.59 (2) (125ml)||36%|
Even if there's not an identical medicine that's cheaper, it's often possible to save by shunning branded products and opting for a generic – unbranded or own-brand – equivalent. It's a medicine's 'active' ingredient that matters – the rest is largely irrelevant (unless you've certain allergies), though liquid capsules work quicker and some taste different.
Don't take our word for it. Professor Jayne Lawrence, chief scientist at the Royal Pharmaceutical Society, says: "If the active ingredients, the dose and the formulation are the same, then medicines will have the same effect, whether they are a well-known brand or an unknown generic."
Important – watch out if you have allergies. If, eg, you're lactose intolerant, it's important to check non-active ingredients too, as these can differ between branded and generic drugs. If in any doubt, ask a pharmacist, particularly if taking other medication.
To highlight this, in 2016 we compared cold, flu and fever branded products at their cheapest price against the cheapest generic, checking prices in store and online where possible, at Asda, Boots, Home Bargains, Lloyds, Poundland, Poundstretcher, Sainsbury's, Savers, Superdrug, Tesco and Wilko. Here's what we found:
|Nurofen for Children||£2.99 Savers||Ibuprofen suspension||95p Savers/ Wilko||68%|
|Calpol||£2.45 Wilko||Junior Parapaed||95p Wilko||61%|
|Vicks Sinex Micromist 15ml||£2.49 Savers||Blocked Nose Relief 15ml||99p Home Bargains||60%|
|Benylin Mucus Cough Menthol Flavour 150ml||£3.85 Boots||Mucus Cough Syrup 200ml||£1.80 Sainsbury's||53%|
|Lemsip Max sachets (10)||£2.99 Home Bargains||Max Strength Cold & Flu Relief (10)||£1.75 Asda||41%|
Prices checked Dec 2016 for medicine containing the same active ingredient, which is taken the same way. MSE research reviewed by the Medicines and Healthcare Products Regulatory Agency, Royal Pharmaceutical Society and an independent pharmacist.
This follows our medicines report in 2016, Branded vs Generic: Cutting the cost of buying over-the-counter medicines.
The Proprietary Association of Great Britain, which represents the pharmaceutical industry, argues branded medicines are often first to the market and so their manufacturers carry higher development costs than those that follow.
In June 2016 we compared a wider range of medicines, and looked for the cheapest price we could find, in store and online where possible, at Asda, Boots, Home Bargains, Lloyds, Poundstretcher, Sainsbury's, Savers, Superdrug and Tesco.
Again, we excluded independent pharmacies from the research as pricing can vary widely, and internet pharmacies due to the cost of delivery if you're not bulk-buying, though both can be competitive. Although exact prices may have changed since 2016, this should still give you a rough idea of the savings to be had across a range of products:
|Nurofen (16)||£1.98 Asda||Ibuprofen (16)||25p Asda||87%|
|Clarityn (30)||£6 Sainsbury's||Loratadine (30)||£1 Savers||83%|
|Anadin Paracetamol (16)||£1 Savers||Paracetamol (16)||19p Asda||81%|
|Nurofen Joint and Back Pain Gel 35g||£4 Asda||Ibuprofen gel 35g||99p Home Bargains||75%|
|Piriteze (30)||£6 Sainsbury's||Cetirizine Hydrochloride (30)||£1.49 Poundstretcher||75%|
|Sudafed Blocked Nose (12)||£2.39 Lloyds||Max Strength Congestion Relief||60p Sainsbury's||75%|
|Anadin Extra (16)||£1.99 Lloyds||Aspirin Extra||54p Asda||73%|
|Imodium Original (6)||£2.19 Savers||Loperamide (6)||59p Home Bargains||73%|
|Nurofen Kids 100ml||£3.15 Sainsbury's||Ibuprofen 3+mths||95p Savers||70%|
|Vicks Sinex Micromist 15ml||£3 Asda||Nasal Decongestant Spray 15ml||£1 Asda/Tesco||67%|
|Calpol Infant 2+ mths 100ml||£2.98 Asda||Infant Paracetamol Suspension 100ml||£1.09 Home Bargains||63%|
|Corsodyl 300ml||£4.49 Superdrug||Chlorhexidine 300ml||£2 Sainsbury's||55%|
|Nurofen Migraine (12)||£2.65 Sainsbury's||Migraine Relief (12)||£1.35||49%|
|Lemsip Max (10)||£2.69 Savers||Max Strength Cold and Flu||£1.76 Asda||35%|
|£3 Sainsbury's||Chlorphenamine Maleate (30)||£2.75 Tesco||8%|
|Prices collected between 21 and 27 June 2016.|
Medicines are allowed to have "informative" names on the packet, such as Bloggs Pain Relief, to help you choose the product you need.
But this can be confusing as identical medication, such as Anadin Ultra and Anadin Period, can look completely different. (An Anadin spokesperson said it does this to help customers choose between its products.)
If you're not sure, use the industry insiders' trick and check the product licence number (eg, PL 10000/1000). If you spot two with the same number, even if the packaging is worlds apart, the Royal Pharmaceutical Society says it means it's the same product – that's the same active ingredient AND the same formulation.
Also, be wary of claims that a medicine can 'target' specific areas. Nurofen was recently rapped by the Advertising Standards Authority for a "misleading" TV advert which it said claimed a Nurofen product could specifically target joint and back pain. See the Nurofen TV advert banned MSE News story for more.
Doctors often automatically write out prescriptions for small amounts. If you know you'll be coming back for more and the medicine's not dangerous if overused, ask for a bigger prescription. But be aware that some doctors are only allowed to prescribe enough medicine to last a certain amount of time.
When buying online, ensure it's an above-board UK pharmacy, not an illegal site based in some far-flung corner of the world. Follow this checklist before buying:
Is it registered?
All online pharmacies selling medicines in the UK must by law display the European common logo on every page of their website.
The logo will link to the Medicines and Healthcare Products Regulatory Agency's register of authorised online pharmacies. The General Pharmaceutical Council also runs a voluntary internet pharmacy scheme so look out for the 'registered pharmacy' logo too.
Does it ask for a prescription?
The GPhC also suggested using one that asks your for a prescription before they give you your meds. Lots of online pharmacies don't (even registered ones). Instead, they run an online prescription service (sometimes called an 'online doctor'), where you can enter details about your symptoms before getting a diagnosis and prescription medication. The GPhC says avoid these if you can.
Check the use-by date
Online pharmacies sometimes flog medication cheap because it has a short lifespan. Be sure to check the use-by date on the packet.
Normally, tablets usually have a lifespan of a few years, so this is rarely a problem. But if you're buying in bulk it's worth considering whether you'll use them in time.
While there's no medical difference between branded and generic medicines, the packaging and the design usually differ, with nicer-coloured tablets and better-tasting coatings on premium brands. But swallow a pill with orange juice and you shouldn't notice the difference.
Don't use grapefruit juice though, as doctors warn it can counteract some medications.
Where generic medicine really kicks butt is hay fever and allergy tablets. Price wars among online pharmacies sometimes see it drop as low as £2.80 for four months' worth of the same active ingredient as Piriteze, which can cost £10 for one month.
See our full Cheap Hay Fever Tablets guide for the latest top deals.
The biggest saving is in switching to generic from branded medicines, regardless of where you shop. However, to grab even bigger price cuts, try your supermarket or discount stores, such as Savers.
Asda, Sainsbury's and Tesco especially have steamrollered the pharmaceutical world in the past few years, with cheap prices that often undercut the high street pharmacies.
Remember though, if the price difference isn't too great, buying generic at your local independent pharmacy may help it remain open in the face of stiff competition.
The 'More Treats For Over 60s' club gives members eight Advantage Card points for every £1 spent in store on Boots' own brand products. It's free and open to anyone aged 60 or over and a UK resident. Members also get 25% off glasses. See the Boots site for more info.
You've a legal right to take your prescription elsewhere after an eye test, so check the masses of online discount suppliers for glasses at a fraction of the cost.
High street opticians often offer free tests for a limited time. See Free Eye Tests for more info. You'd pay around £20 normally, unless you're in Scotland where it's free.
Don't feel obliged to get your glasses or contacts from the optician who does your eye test.
The likes of Boots and Specsavers sell own-brand lenses, but they're often reboxed versions of big manufacturers' lenses. See our Cheap Contact Lenses guide for more information.
A Global Health Insurance Card (GHIC) and European Health Insurance Card (EHIC) give you treatment at state-run EU hospitals and GPs at the same cost as a local.
If you already have an EHIC, it will continue to cover you in EU countries for the entire time it's valid, so you MUST check it's still in-date as they expire after five years.
If you need to renew, or apply for the first time, you'll receive a GHIC instead – but it does the same thing. For full help, including how to get one for FREE (never pay), see our Free GHIC or EHIC guide.
Mental health issues can cause severe debt, and severe debt's a catalyst for mental health problems. So we launched our Mental Health & Debt Help PDF booklet (thanks to charities Mind, Rethink, CAPUK & others for help).
The booklet's crammed with info on handling debts when unwell, working with banks, where to get help, whether to declare a condition to your bank and more.
It's written for individuals, caseworkers and carers as well as families of those with anxiety, depression, bipolar and more.
Clever ways to calculate your finances