NHS prescription charges in England are increasing from Wednesday 1 May, but there may be a way for you to beat the hikes.

The cost of a single prescription will increase by 25p from £9.65 to £9.90 an item from this date, but if you need more than one prescription each month, you may be able to save by getting a prescription ‘season ticket’.

Here’s what you need to know.

Who doesn’t pay for prescriptions

The following only applies to people in England, as in Scotland, Wales and Northern Ireland prescriptions are provided free of charge.

Several groups of people don’t pay for prescriptions. You shouldn’t have to pay:

  • If you’re aged 60 or over
  • If you’re aged under 16 (or under 18 if you are in full-time education)
  • If you’re pregnant or have had a baby in the last 12 months (you’ll need a valid medical exemption certificate)
  • If you have a particular illness or medical condition and have a valid medical exemption certificate
  • If you have a continuing physical disability that prevents you going out without help from another person and have a valid medical exemption certificate
  • If you hold a valid war pension exemption certificate and the prescription is for your accepted disability
  • If you are an NHS inpatient
  • If you’re on income-based jobseeker’s allowance
  • If you’re on income support
  • If you’re on income-based employment and support allowance
  • If you’re receiving Pension Credit guarantee credit
  • If you’re on Universal Credit.

You can also get free prescriptions if you or your partner are named on, or are entitled to, an NHS tax credit exemption certificate or a valid HC2 certificate (full help with health costs).

If you don’t fall into one of these groups, then you’ll have to pay £9.65 for each prescription you have (rising to £9.90 on 1 May).

Get expert mortgage advice*

Looking to discuss your mortgage options? Speak to an expert independent mortgage broker with Unbiased. Every advisor you find through Unbiased will be FCA-regulated, qualified and unconnected to product providers – so they can offer you truly unbiased advice. Your first consultation is free.

Get mortgage advice*

Prescription ‘season tickets’

If you pay for your prescriptions and you need a number of prescriptions in a year you may be better off buying a prescription prepayment certificate which will cover all your prescriptions for a year. There are three different types of pre-payment certificates (PPC):

Certificate typeCost
Three-month PPC£31.25 (rising to £32.05 from May 1)
12-month PPC£111.60 (rising to £114.50 from May 1)

Hormone Replacement Therapy PPC

(covers unlimited number of certain HRT medicines for 12 months)

£19.30 (rising to £19.80 from May 1)

 

If you buy the annual prescription prepayment certificate, you can pay for it by Direct Debit over ten months. The certificate also entitles you to free dental prescriptions, although not free dental treatment. You can buy a prepayment certificate at NHS.uk or at any pharmacy which sells prepayment certificates. It’s also possible to buy one over the phone by calling 0300 330 1341.

If you think a prescription certificate could save you money, you may want to consider buying one now, before the May 1 hikes come into effect.

How much could you save with a PPC?

The table below shows how much you can save with a prepayment certificate depending on the number of prescriptions you need.

If you buy the annual prescription prepayment certificate, you can pay for it by Direct Debit over ten months. The certificate also entitles you to free dental prescriptions, although not free dental treatment. You can buy a prepayment certificate at NHS.uk or at any pharmacy which sells prepayment certificates. It’s also possible to buy one over the phone by calling 0300 330 1341.

Number of prescribed medicines you need each monthSaving with a 12 month PPCSaving with a 3 month PPC
2More than £120 a yearMore than £26 in 3 months
3More than £235 a yearMore than £55 in 3 months
4More than £351 a yearMore than £84 in 3 months

Source: NHS

The HRT PPC will save you money if you need more than two prescribed HRT items in a year.

Book your free pension review

If you’re considering getting professional financial advice, Unbiased is offering Rest Less members a free pension review. It’s a chance to have a qualified local advisor give an unbiased assessment of your retirement savings.

Book my free call

NHS low income scheme

If you’re on a low income, you may also be able to get help with medical costs through the NHS Low Income scheme.

You will qualify for full or partial help towards prescription charges if:

  • You have savings or capital less than £16,000, or
  • You have savings or capital less than £23,250 and you live in a care home (£24,000 if you live in Wales).

If you’re entitled to help, it also applies to your partner and any children who are dependent on you.

Rest Less Money is on Instagram. Check out our account and give us a follow @rest_less_uk_money for all the latest Money News, updated daily.