The Factors That Influence Your Xarelto Cost
Several variables determine the final price you pay for your Xarelto prescription. The most significant factors include your insurance status, the specific dose prescribed, and the pharmacy you choose for filling your prescription. For a long-term medication like Xarelto, opting for a 90-day supply is often encouraged by insurance plans to reduce both costs and trips to the pharmacy.
Insurance Coverage: Commercial vs. Medicare
- Commercial Insurance: If you have private or employer-sponsored insurance, your out-of-pocket cost is dictated by your plan's formulary, deductible, and co-insurance. Many commercially insured patients can utilize the Xarelto withMe Savings Card, which can reduce their cost to as little as $10 per fill for a 30- to 90-day supply, subject to program requirements and yearly maximums.
- Medicare Part D: Most Medicare prescription drug plans cover Xarelto, but the out-of-pocket cost can fluctuate significantly depending on your coverage phase. While some enrollees may have low co-pays in the initial coverage phase, costs can rise dramatically upon entering the "coverage gap" or "donut hole," before falling again in the catastrophic phase. Medicare's Plan Finder tool can provide plan-specific cost estimates.
Uninsured Cash Price
For individuals without insurance, the cash price for a 90-day supply of brand-name Xarelto is prohibitively expensive. Retail prices can average over $600 for a 30-day supply, placing the 90-day cash price in the range of \$1,700 or more, though this can vary by pharmacy. This is where discounts and patient assistance programs become vital.
Saving Money on Your 90-Day Supply
For many, affording a long-term prescription requires exploring all available savings avenues. Fortunately, several options can help drastically lower the cost of Xarelto.
Manufacturer Patient Assistance Programs
The manufacturer of Xarelto, Janssen, offers several programs to assist patients. The Janssen CarePath program provides resources for all patients, and the Johnson & Johnson Patient Assistance Foundation is specifically designed for uninsured individuals who meet certain income and eligibility requirements to receive their medication at no cost.
Prescription Discount Cards
Websites and apps like GoodRx and SingleCare offer coupons that can lower the price of both brand-name and generic prescriptions, sometimes more than insurance co-pays. For example, GoodRx reported prices for brand-name Xarelto coupons that are significantly lower than retail, and SingleCare lists savings for the new generic.
Generic Alternatives
Crucially, a generic version of Xarelto (rivaroxaban) has become available for certain dosages in the United States since 2025. This has introduced a far more affordable alternative. Prices for generic rivaroxaban are substantially lower than the brand-name equivalent, offering a major cost-saving opportunity for eligible patients.
Other Strategies
- 90-Day Mail Order: Many insurance plans provide financial incentives, such as lower co-pays, for filling a 90-day supply through their mail-order pharmacy service.
- Pharmacy Comparison: Prices can differ between pharmacies, even within the same geographic area. Comparing prices at local pharmacies and online can result in significant savings.
Comparison of Xarelto Costs (Estimate)
This table provides an estimated comparison of potential 90-day costs based on the latest available information. Actual costs will vary based on your specific plan, pharmacy, and eligibility.
| Scenario | Estimated 90-Day Cost | How to Access Savings |
|---|---|---|
| Uninsured (Cash Price) | $1,700+ | Janssen Patient Assistance Foundation, discount cards |
| Commercially Insured | $30 - $270 | Janssen's Xarelto withMe Savings Card ($10 per fill) |
| Medicare Part D | Varies by coverage phase | Medicare Plan Finder, Extra Help, Janssen Savings Programs |
| Discount Card (Brand Name) | $450 - $600+ | GoodRx, SingleCare, and other discount cards |
| Generic (Rivaroxaban) | $480+ | Ask your doctor for generic rivaroxaban; use discount cards |
Conclusion: Finding the Right Path to Affordability
Navigating the costs of long-term medications like Xarelto is a proactive process that requires research and communication with your healthcare team. While the upfront cash price for a 90-day supply is substantial, numerous resources exist to make it more manageable. The introduction of generic rivaroxaban is a game-changer for many patients, while manufacturer programs and discount cards remain reliable options. Always discuss cost concerns and potential alternatives with your doctor and pharmacist to find the most affordable path for your treatment plan. Utilizing a service like the Johnson & Johnson Patient Assistance Foundation can be an essential step for those without insurance coverage, providing free medication to eligible patients.
Frequently Asked Questions
Is there a generic version of Xarelto available?
Yes, a generic version of Xarelto, called rivaroxaban, became available for certain strengths in the United States in 2025, offering a more affordable alternative to the brand-name drug.
How can I get a 90-day supply for the lowest price with commercial insurance?
Eligible commercially insured patients can use the Xarelto withMe Savings Card to pay as little as $10 for a 90-day fill. You can enroll and see the full terms on the Xarelto withMe website.
Does Medicare cover a 90-day supply of Xarelto?
Most Medicare Part D plans cover Xarelto, but your out-of-pocket cost for a 90-day supply will depend on your plan's specific formulary, deductible, and which coverage phase you are currently in.
Can I use discount cards like GoodRx with my insurance?
No, you cannot use a discount card like GoodRx in conjunction with your insurance. However, in some cases, the discount card price may be lower than your insurance co-pay, so it is always worth comparing.
What if I have no insurance and can't afford Xarelto?
If you are uninsured, you may be eligible for the Johnson & Johnson Patient Assistance Foundation, which provides free medication to qualifying patients. You can check the eligibility criteria on their website or call the program for assistance.
How does a 90-day supply compare to a 30-day supply in terms of cost?
Often, purchasing a 90-day supply, especially through mail-order, is more cost-effective per pill than filling a 30-day prescription three times. This can also save money on co-pays and administrative costs.
Is the price of Xarelto the same for all dosages?
The price for brand-name Xarelto can vary by dosage, with higher strengths not always being proportionally more expensive. With the new generic, pricing for different strengths should be compared with discount cards.
What if my insurance won't cover Xarelto?
If your plan doesn't cover Xarelto, discuss alternative medications with your doctor. You can also appeal your insurance company's decision or look for patient assistance programs if you meet the requirements.
