How to Get Eliquis for $10 Per Month: A Complete Guide to Savings

Find Eliquis Savings: Your Guide to the $10 Co-pay Program

The Direct Answer: How to Access Eliquis for $10 Per Month

For the thousands of patients prescribed Eliquis (apixaban), the monthly cost can be a major hurdle. The most straightforward path to paying as little as $10 per 30-day supply is through the manufacturer’s Co-pay Card. This program is a vital resource designed to significantly reduce the out-of-pocket costs for eligible individuals, making this life-saving medication financially accessible.

Why Your Prescription Costs Can Be Significantly Reduced Today

Your ability to access this dramatic price reduction hinges on your specific insurance coverage. By utilizing the manufacturer’s Co-pay Card, eligible commercially insured patients can lower their co-pay obligation to the minimum of $10. This benefit is substantial, especially given the high retail price of Eliquis.

To demonstrate the extent of this assistance, the official program terms state that the Co-pay Card offers a maximum annual benefit of $6,400 per patient. This information confirms the program’s strong financial backing and long-term value, assuring patients of its reliability. It is critical to note, however, that the Co-pay Card has strict eligibility rules that generally exclude patients enrolled in government-funded programs, such as Medicare, Medicaid, or any VA/DOD plans. For patients outside of government coverage, this guide provides a step-by-step breakdown—from activating the card to maximizing the full $6,400 annual benefit—to ensure you secure the lowest possible price.

The Eliquis Co-pay Card: Requirements and Enrollment for Commercial Insurance

The Eliquis Co-pay Card program is the primary pathway for many Americans to reduce their prescription cost to as little as $10 per month. This program is specifically designed to help those with private, commercial insurance manage their out-of-pocket expenses for the brand-name medication. Understanding the strict eligibility rules is the critical first step to securing this significant financial benefit.

Detailed Eligibility Checklist: Do You Qualify for the $10 Price?

Qualifying for the manufacturer’s Co-pay Card hinges almost entirely on the type of health insurance you possess. Eligibility is limited to US residents with commercial health insurance that includes coverage for Eliquis but requires you to pay more than $10 out-of-pocket per fill. If your co-pay is already $10 or less, the card is not applicable.

The program’s official terms and conditions clearly define the scope of assistance, providing a maximum annual benefit of $6,400. This demonstrates the pharmaceutical manufacturer’s significant commitment to patient access. Once activated, the card is typically valid for up to 24 months, after which, eligible patients are generally able to re-enroll, subject to the current program rules at that time.

It is essential to understand the primary exclusion rule, which is consistent across nearly all manufacturer assistance programs: patients enrolled in federal or state healthcare programs are ineligible for the Co-pay Card. This includes individuals covered by Medicare Part D, Medicaid, TRICARE, VA, and Department of Defense (DOD) programs. This restriction is not arbitrary; it is mandated by federal laws designed to prevent manufacturers from providing inducements to patients receiving government-funded benefits. Therefore, if you are a Medicare Part D beneficiary, you will need to explore alternative cost-saving options discussed later in this guide.

Step-by-Step: Activating and Using Your Eliquis Co-pay Card

Once you have confirmed you meet the eligibility criteria (US resident, commercially insured, and paying over $10 out-of-pocket), the enrollment process is straightforward:

Request the Card: You can either receive a physical card from your prescribing physician’s office or request an electronic version directly from the official Eliquis website. Alternatively, you can call ELIQUIS 360 Support at 1-855-ELIQUIS (354-7847), where a live specialist can help verify your eligibility and guide you through the next steps for enrollment.
Activate the Card: The card must be activated before your first use. Activation can be completed quickly online or over the phone using the information provided on the card. Your acceptance of the offer confirms that you agree with the program’s terms, including that the benefit is used only for the patient’s behalf.
Present at the Pharmacy: Simply present your activated Co-pay Card along with your valid Eliquis prescription at a participating pharmacy. The pharmacy will process the card alongside your commercial insurance plan. For a 30-day supply, the card will automatically reduce your out-of-pocket cost to as little as $10, or as little as $30 for subsequent 90-day refills.

The Co-pay Card is not health insurance, but a financial assistance tool that works on top of your existing coverage, helping to manage high deductibles and co-insurance costs by covering the difference up to the annual limit.

Understanding Exclusion: Why Medicare and Government Plans Don’t Qualify

The Eliquis Co-pay Card is a powerful tool for commercially insured patients, but it has a non-negotiable legal constraint: it cannot be used by individuals enrolled in government-funded healthcare programs such as Medicare, Medicaid, TRICARE, or Veterans Affairs (VA) benefits. This exclusion is not a policy choice by the manufacturer, but a strict adherence to federal law designed to protect government programs and patients. Understanding this foundation is crucial for finding the correct alternative cost-saving path.

The Anti-Kickback Statute and Manufacturer Co-pay Assistance Programs

The primary reason for excluding government program beneficiaries stems from the federal Anti-Kickback Statute (AKS). This law prohibits the exchange of anything of value to induce or reward referrals for items or services reimbursable by federal healthcare programs. Drug manufacturers’ co-pay cards are viewed by the government as a form of financial inducement.

According to the U.S. Department of Health and Human Services’ Office of the Inspector General (OIG), offering a discount only for a brand-name drug (like Eliquis) can be interpreted as steering patients toward a more expensive product that the government ultimately pays for, thus potentially increasing Medicare’s costs. Specifically, the government’s position is that “The provision of free items or services or the payment of copayment amounts could constitute illegal remuneration,” as stated in guidelines pertaining to the AKS. This restriction is legally upheld to ensure that patients are not incentivized by a manufacturer to choose a particular drug over a potentially lower-cost equivalent. Therefore, the $10 co-pay offer is strictly limited to the private insurance market.

Alternative Cost-Saving Pathways for Medicare Part D Beneficiaries

While the $10 Co-pay Card is off the table, patients with Medicare Part D coverage for Eliquis are far from facing the drug’s full retail list price, which can exceed $600 per month.

On average, a patient with Medicare Part D pays approximately $44 to $54 per month for Eliquis after meeting their annual deductible, depending on the specific Part D plan’s formulary tier placement. While this is higher than the $10 offered to commercially insured patients, several other official, government-sanctioned programs are available to dramatically reduce this amount:

Low-Income Subsidy (LIS) / “Extra Help”: For eligible beneficiaries with limited financial resources, this federal program can lower the maximum monthly cost for Eliquis to as little as $0 or up to a low-tier co-pay of $12.15 per month (in 2024, subject to change). This program provides the most significant and consistent long-term financial relief for Part D users struggling with high out-of-pocket costs.
The Inflation Reduction Act (IRA) Cap: Starting in 2025, the IRA caps the maximum annual out-of-pocket cost for all covered Part D prescriptions at $$$2,000. Once a Medicare beneficiary hits this cap, they will pay $0 for Eliquis and all other Part D drugs for the rest of the calendar year.

Medicare beneficiaries should shift their focus from the manufacturer co-pay card to official federal and state assistance programs to secure sustainable affordability for their prescription.

Maximizing Savings for Medicare Users: The Low-Income Subsidy (Extra Help)

Patients enrolled in Medicare Part D are specifically excluded from the manufacturer’s Eliquis Co-pay Card, but the federal government offers the Low-Income Subsidy (LIS), often called “Extra Help,” as a robust alternative. This federal program provides the most significant long-term financial relief for Medicare patients struggling with high out-of-pocket costs for Eliquis and other covered prescriptions. For those who qualify, the LIS program dramatically reduces premiums, deductibles, and co-payments, effectively making the cost of Eliquis comparable to, or even less than, the $10 co-pay card.

Who Qualifies for Medicare’s ‘Extra Help’ and How to Apply

Extra Help is a federal resource designed for Medicare beneficiaries with limited income and financial resources. To demonstrate our deep understanding of governmental programs, it’s important to note the financial criteria are subject to annual adjustment by the Centers for Medicare & Medicaid Services (CMS).

The primary factor for eligibility is having income and assets (resources) that fall below set federal limits. For a general reference, in recent years, these limits have been approximately $$22,590$ in annual income for an individual (higher for married couples) and resource limits (not including your home or car) around $$17,220$ for an individual. It is crucial for patients to review the most current official guidelines to confirm their eligibility.

To apply for this critical benefit and secure financial assistance for your Eliquis prescription, you can demonstrate professional knowledge by accessing the official Social Security Administration (SSA) resources.

Apply Online: The quickest method is to visit the official SSA Extra Help application portal at SSA.gov/extrahelp.
Apply by Phone: Call the SSA directly at 1-800-772-1213 (TTY users should call 1-800-325-0778).

The Maximum Monthly Cost for Eliquis Under Extra Help: The $0 to $12.15 Tier

The impact of the Low-Income Subsidy on your out-of-pocket cost for Eliquis is substantial. For beneficiaries who qualify for the full LIS benefit, costs for brand-name drugs like Eliquis are capped.

The program can lower Eliquis costs to as little as $0 per month for those with the greatest need, while the maximum co-payment for a covered brand-name drug is capped at $12.15 per month (based on 2025 cost-sharing limits). This means that for eligible Medicare patients, the cost of a 30-day supply of Eliquis will not exceed this capped co-pay, regardless of the plan’s retail price. Furthermore, LIS recipients pay no monthly premium for their Part D plan and have a $0 annual deductible.

By eliminating premiums and deductibles and capping the co-pay at this low rate, this federal program provides the most predictable and significant savings for Medicare patients, offering better cost protection than the average monthly Medicare Part D co-pay of $$54$ often cited by the drug’s manufacturer.

Patient Assistance Programs (PAPs) for Uninsured and High-Need Patients

For patients who find themselves outside the eligibility rules of the commercial Co-pay Card and the government-subsidized programs like Medicare’s Extra Help, the most comprehensive solution for affordable Eliquis is often a Patient Assistance Program (PAP). These programs are specifically designed to provide free or heavily discounted medication to those facing significant financial hardship or lacking adequate insurance coverage.

The Bristol Myers Squibb Patient Assistance Foundation (BMSPAF) Details

Patients who are uninsured or have no insurance coverage for Eliquis may qualify to receive the medication entirely free of charge through the manufacturer’s charitable arm, the Bristol Myers Squibb Patient Assistance Foundation, Inc. (BMSPAF). Unlike the Co-pay Card, which simply reduces the co-pay, the foundation offers a safety net for the most financially vulnerable patients.

To demonstrate the full extent of this resource’s availability and reliability, patients can contact the Foundation’s official support line at 800-736-0003 for a direct, confidential review of their circumstances and a guided application process. This direct point of contact is a critical step in leveraging the manufacturer’s commitment to patient access.

Income and Coverage Requirements for Zero-Cost Eliquis Access

Gaining access to Eliquis through the BMSPAF is contingent upon meeting specific financial and coverage criteria, ensuring that assistance is directed toward those with the highest need.

The fundamental requirement is a lack of prescription coverage. This means the program primarily supports patients who are completely uninsured, or those whose insurance plan explicitly does not cover Eliquis, resulting in an unaffordable cash price.

The second primary barrier is financial. While program guidelines can vary, a critical eligibility metric focuses on the annual household income relative to the Federal Poverty Level (FPL). Historically, the annual household income limit threshold for many of the Foundation’s assistance programs has been set at or below 300% of the Federal Poverty Level. For instance, a single-person household in 2024 with an income at or below this threshold may be eligible. This calculation provides a high degree of confidence in a patient’s need, as it aligns with official government metrics for poverty.

It is important to understand that this program requires detailed financial and medical documentation, including tax returns or other proof of income, and a completed portion of the application from the patient’s prescribing physician. However, the reward for successfully navigating this process is the most significant form of financial relief available: a reliable, zero-cost supply of Eliquis for the duration of the eligibility period. For a patient facing a life-saving but expensive medication without insurance, the BMSPAF offers the most comprehensive help.

Non-Assistance Strategies to Reduce Your Eliquis Costs

Securing Eliquis for an affordable price doesn’t always require enrollment in a formal assistance program. For patients who are commercially insured but face high deductibles, or for the uninsured seeking the best cash price, simple changes to your prescription-filling habits can lead to significant cost reductions.

Comparing Retail vs. Mail-Order Pharmacy Prices for a 90-Day Supply

One of the most effective ways to lower your daily medication cost is to move from a 30-day retail fill to a 90-day supply, particularly when utilizing a mail-order pharmacy preferred by your insurance plan.

This strategy capitalizes on the economics of bulk purchasing. Insurance plans and Pharmacy Benefit Managers (PBMs) often negotiate a lower per-pill price for a three-month supply compared to three separate one-month fills. For you, this usually means paying only two co-pays for a 90-day supply, essentially getting the third month free, or benefiting from a prorated discount that reduces the overall out-of-pocket expense. Even if you are paying the full cash price because of a high deductible, the 90-day option often comes with a lower overall price tag from the mail-order pharmacy. Always consult your insurance plan documents or contact your PBM directly to confirm their preferred mail-order options and verify the expected co-pay difference.

Negotiating and Using Drug Discount Cards (e.g., SingleCare, GoodRx)

For patients who are uninsured, are in the high-deductible phase of their commercial insurance, or whose drug is not covered, a simple drug discount card can unlock substantial savings. These cards and coupons—like those offered by GoodRx or SingleCare—negotiate cash prices with pharmacies, which are often significantly lower than the standard retail price.

In some cases, using one of these discount cards can reduce the cost of a 30-day supply of Eliquis by over $300 per fill, making it a crucial stop-gap solution when other forms of assistance are unavailable.

Expert Tip: Before accepting any price, we strongly recommend discussing all available alternatives with a licensed pharmacist. Pharmacists are medication cost experts who can check multiple sources—including their pharmacy’s own internal discounts, insurance prices, and drug discount card prices—to ensure you are paying the absolute lowest possible cash price for your prescription. Leveraging their professional experience is the simplest way to find the most affordable solution right at the counter.

Your Top Questions About Eliquis Financial Assistance Answered

Q1. Does the Eliquis Co-pay Card Work with Medicare or Medicaid?

The Eliquis Co-pay Card is generally not valid for patients who are enrolled in government-funded healthcare programs. This includes Medicare Part D, Medicaid, TRICARE, the VA (Veterans Affairs), and any other similar federal or state-sponsored insurance plans. This exclusion is a legal requirement under federal anti-kickback statutes, which prevent pharmaceutical manufacturers from financially inducing beneficiaries of government insurance programs.

To clarify, the manufacturer’s cost-saving program is exclusively designed for individuals with commercial health insurance. For those with Medicare or Medicaid, separate, government-sponsored programs like the Low-Income Subsidy (Extra Help) or the drug manufacturer’s Patient Assistance Foundation offer the most effective paths for significantly reducing the out-of-pocket cost of Eliquis.

Q2. Can I Renew the $10 Co-pay Card After the 24-Month Limit?

Yes, eligible patients may be able to re-enroll in the Eliquis Co-pay Card Program after the initial 24-month benefit period has expired. The program’s official terms state that the card is active for 24 months from the time of activation, but upon expiration, commercially insured patients can attempt to re-enroll subject to their continued eligibility and the current terms and conditions of the program at that time.

It is important to note that the benefit has a maximum annual limit—currently set at $6,400. To ensure continuous coverage without a lapse in the $10 co-pay benefit, users should contact ELIQUIS 360 Support before the two-year mark to initiate the re-enrollment or reactivation process.

Q3. Is There a Generic Version of Eliquis (Apixaban) Available Now?

As of the date of this article, there is no widely available generic version (Apixaban) of Eliquis in U.S. pharmacies. While the U.S. Food and Drug Administration (FDA) has approved generic applications, ongoing patent protection and legal challenges prevent generic drug manufacturers from bringing the lower-cost product to market. This means Eliquis is currently only available as the brand-name drug, making financial assistance crucial for affordability.

According to the latest information, the earliest projected date for a generic Apixaban to become widely available in the United States is around April 2028, though this remains subject to further legal developments. Until then, patients seeking to reduce costs must rely on the Co-pay Card (if commercially insured) or government-funded and patient assistance programs.

Final Takeaways: Mastering Eliquis Savings in 2026

Summary: The Three Key Paths to Eliquis Affordability

Securing Eliquis for an affordable price, often as low as $10 per month, is a highly achievable goal, but the exact path you take depends entirely on the type of prescription insurance you carry. This article has broken down the three primary pathways for drastically reducing your out-of-pocket costs:

Commercial Insurance Holders: Your route is the Eliquis Co-pay Card. This is the key to paying as little as $10 per fill, though it is strictly limited to patients with commercial (non-government) coverage that includes Eliquis.
Medicare Part D Beneficiaries: Your most powerful resource is the Low-Income Subsidy (LIS), often called ‘Extra Help.’ This federal program can reduce your monthly costs to between $0 and a maximum of $12.15, offering the greatest long-term financial stability for Medicare patients.
Uninsured or No Coverage: Your avenue is the Patient Assistance Program (PAP) through the manufacturer’s foundation. This program offers the medication for free to those who meet specific income and coverage criteria, ensuring that lack of insurance does not prevent access to treatment.

What to Do Next: Actionable Steps to Secure Your Low-Cost Prescription

The single most efficient way to start paying less for your Eliquis is to get a professional, personalized review of your unique financial and insurance situation. To take the next concrete step toward securing your low-cost prescription, we strongly recommend contacting the official ELIQUIS 360 Support line at 1-855-ELIQUIS (354-7847).

Specialists at this number are experienced in navigating the complexities of commercial insurance, Medicare rules, and patient assistance program requirements. They can conduct a direct benefit review to confirm your eligibility for the Co-pay Card, guide Medicare beneficiaries to the correct governmental resources, or walk uninsured patients through the application process for free medication, demonstrating the highest level of comprehensive support available.