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Written by Dr. Nada Farooqui, MD · Board Certified Family Medicine · Rawq Medicine, Hillsborough NJ
You're not alone. Many Somerset County residents are managing healthcare without insurance — or with a deductible so high it barely helps. If you need a prescription and aren't sure how to afford it, here's exactly what to do.
The single best resource for uninsured patients on common generics. Metformin, lisinopril, atorvastatin, sertraline and hundreds more — often $3 to $15/month, shipped to your door. No membership, no insurance.
Free app that finds the lowest cash price for your medication at every nearby pharmacy. Show the coupon on your phone at the counter. Many patients pay less with GoodRx than with insurance.
Consistently among the lowest cash prices around. No Costco membership required to use the pharmacy.
Most brand-name drug manufacturers — including GLP-1 companies — offer free or heavily discounted medication to uninsured patients. Income limits are often higher than people expect. Search your medication name + “patient assistance program” or visit NeedyMeds.org.
A family of four earning up to approximately $44,000/year may qualify. Covers both doctor visits and prescriptions. Worth checking even if you've assumed you don't qualify.
The resources above help you fill a prescription you already have. But to get a prescription in the first place — or refill one for an ongoing condition — you need a physician. Without insurance, that visit often costs $150 to $400 at urgent care. And a one-off telehealth visit means starting over with a new provider every time.
This cycle traps a lot of people. There's a better way, right here in Hillsborough.
Rawq Medicine is a direct primary care practice in Hillsborough. You pay a simple monthly membership and get a real physician relationship — visits when you need them, direct texting, direct access, and no surprise bills.
On medications: I know what your prescriptions cost at Cost Plus Drugs and GoodRx, and I build that into every prescription I write. Most patients on common medications pay $3–$15/month. I have the time to make sure of it.
Look up your medication at costplusdrugs.com — if it's listed, that's usually your cheapest option.
Search GoodRx to compare cash prices at Amwell Pharmacy, Hillsboro Pharmacy, and Costco Bridgewater.
Visit njfamilycare.org or call 1-800-701-0710 — you may qualify even if you've assumed you don't.
Be the first to know when we open this fall — your own physician, no insurance required.
Yes — a prescription is valid regardless of insurance status. What changes is what you pay. Cost Plus Drugs and GoodRx handle the medication cost. A Rawq Medicine membership handles the physician relationship.
Usually, yes. A single urgent care visit without insurance runs $150–$400. A Rawq Medicine membership is $150/month and covers your primary care visits. If you're going to urgent care even twice a year, membership is likely more affordable.
Yes. As of January 1, 2026, DPC membership fees are HSA-eligible. If you have an HSA paired with a high-deductible plan, you can pay your membership entirely with pre-tax dollars.
We offer a small number of scholarship memberships for patients facing genuine hardship, funded by our Pay It Forward program. Just reach out — no application process, just a conversation.
No. You pay us directly. We do recommend keeping some form of insurance for hospitalizations and emergencies, but your everyday primary care is fully covered by your membership.
Join the waitlist to be first when we open this fall — or call 908-800-2380 to talk it through with Dr. Farooqui.
HSA-eligible membership · No co-pays · No long-term contracts