Every year medical premiums increase -- and usually at a rate much higher than inflation. One of the reasons is because of the tremendous increase in prescription drug costs.

Advertising plays a big role in this -- the more money drug companies spend on national advertising campaigns, the more they need to charge for their prescription drugs.

Since the premium costs of most medical plans are based on the usage of its members, the more we can hold prescription drug costs down then the lower rate increases will be.

Here are some tips to help keep your prescription costs down:

  • Consider asking your doctor for a generic equivalent of a drug if it's available.
  • If there's no generic equivalent, ask if there are similar name-brand drugs that are less expensive.
  • Don't let TV commercials and print ads influence you into insisting on a certain brand.
  • Use the mail order prescription service to save you money.