How to Get Zoloft Without Insurance: Prices and Discounts

By Robynn Lowe
Medically reviewed checkmarkMedically reviewed
July 25, 2022

Unfortunately, some medications can be costly for people who don’t have insurance.

However, without taking these medications, many people have trouble performing everyday activities such as school work, job requirements, and maintaining relationships.

Zoloft is one of those medications. Also called sertraline, Zoloft is prescribed to treat various mental health disorders.

On average, people pay $140-$416 for a month’s supply of Zoloft, depending on the dosage strength and the pharmacy.

In this article, I’ll go over what Zoloft is, its uses, and how much it costs without insurance. I’ll also cover how you can save money getting Zoloft and when it’s time to seek medical care.  

What is Zoloft (Sertraline HCI)? 

Zoloft is a medication used to treat and manage mental health disorders, such as:

  • Major depressive disorder
  • Obsessive-compulsive disorder
  • Panic disorder
  • Post-traumatic stress disorder (PTSD)
  • Premenstrual dysphoric disorder
  • Social anxiety disorder

Zoloft comes in tablet or liquid form and is usually taken once during the day either in the morning or evening. 

Sometimes it takes a few weeks to feel the medication’s full benefit.

Don’t stop taking the medication without talking to your doctor, as stopping it suddenly can cause severe withdrawal symptoms. 

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How Does Zoloft Work?

Zoloft is in a class of drugs called selective serotonin reuptake inhibitors (SSRIs).

These types of antidepressant medications help your brain take in more serotonin. 

Serotonin helps to regulate mood, wakefulness, and personality. Some people’s brains do not take in enough serotonin, which can cause them to have feelings of depression. 

When Zoloft helps the brain take in more serotonin, a person can experience less depression and a more stable mood. 

However, when a person first takes Zoloft, they must be monitored closely.

When first starting this medication or when the dose is changed, some people experience changes in their anxiety and behavior, and some have suicidal thoughts.

Cost of Zoloft Without Insurance 

If you are part of the 8.5.% of Americans without insurance, you may be wondering how much it will cost you if your healthcare provider prescribes it to you.

The following prices are for people paying with cash and are not valid for people with insurance plans. 

These averages are based on prices found on the drugs.com website and will vary depending on the pharmacy. 

Zoloft form and dose amountPrice for one month supply
20 mg/mL$289.04
25 mg tab$416.15
50 mg tab$140.12
100 mg tab$416.15

Factors That Affect The Price of Zoloft 

Several factors affect the price of medications, including brand name vs. generic, your location, the pharmacy you use, and the strength of the medicine you need. 

Brand Name vs. Generic

The generic of Zoloft is sertraline. 

Sertraline is equal to Zoloft in strength, quality, effectiveness, and safety.

Cost

Generic brands of drugs are often significantly lower in price than brand names for a couple of reasons. 

First, the company that makes the generic medication does not have to repeat the same clinical trials already completed for the brand-name medicine.

And second, there is more competition in the marketplace which helps to drive costs down. 

If your medical provider writes you a prescription for Zoloft, talk to them or the pharmacist about getting the generic sertraline instead. 

The cost of Sertraline can range between $10.68 and $56.46.

Sertraline form and dose amountPrice for one month supply
20 mg/mL$56.46
25mg tab$10.78
50mg tab$11.11
100mg tab$10.68

Location

Where you live may affect the price of the medication. If the nearest pharmacies have high costs for Zoloft, try checking out prices at other pharmacies a little further from you. 

Pharmacy

It’s an excellent idea to shop around for the best deal.

Several websites offer discounts or coupons on prescription medications.

Some websites help you compare prices from pharmacy to pharmacy in your area. 

Sometimes mail-order pharmacies offer cheaper medications than brick-and-mortar pharmacies. 

Strength and Quantity

The medication’s strength and quantity can also affect the price.

Sometimes getting a three-month supply of medication helps bring down the cost. 

Talk with your medical provider about finding the cheapest form of Zoloft, so you aren’t breaking the bank.

Tips to Save Money on Zoloft 

According to the Centers for Disease Control and Prevention (CDC), 48.6% of people in the United States take at least one prescription medication daily. 

Being able to afford their medications is a problem many people are facing. Read on to learn tips on saving money on your Zoloft prescription. 

Manufacturer Coupons

The company that makes Zoloft offers a savings card to people who need to take Zoloft. If eligible, people can pay as little as $4 for a 30-day prescription of brand-name Zoloft.

This can bring in savings of up to $1,800 a year. 

Discount Cards

With the rising prices of prescription medications, it’s great to see some companies offering discount programs and coupons online.

Some companies require signing up for a program while other companies offer their coupons for free. 

Some of the programs offer free home delivery as well.

Alternative Medications

If you’d like to look into an alternative medication to Zoloft, talk to your medical professional about trying Cymbalta (duloxetine) or Bupropion. 

Both of these medications are approved to treat depression but they work a little differently than Zoloft. They do, however, cost less than Zoloft with Bupropion being the least expensive of these medications. 

K Health Remote Mental Health

K Health is a wonderful option for both the insured and uninsured. At K Health we offer services regardless of if you have insurance or not. 

For $35 you can schedule a one-time appointment with a board-certified clinician, or for $49 a month you get unlimited visits. There are no extra fees or strings attached. 

K Health clinicians can check into your medical history, offer medical advice, determine if you need Zoloft, prescribe it, and even mail it to you.

If you prefer to fill prescriptions at your pharmacy, K Health gives you an Rx discount card to help you save up to 80%.

Lastly, K Health is FSA- and HSA-compatible.

There are no hidden deductibles or copay, and because the visits are online, you save on transportation costs. 

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When to See a Healthcare Provider 

If you are having anxiety or depression that is interfering with your everyday life, it’s time to seek medical attention.

Reach out to your medical provider for help, they may refer you to a psychologist or psychiatrist for an accurate diagnosis. 

If they feel you would benefit from taking Zoloft, they will write a prescription for you and monitor you while you start taking it. 

How K Health Can Help

Think you might need a prescription for Zoloft (Sertraline)?

K Health has clinicians standing by 24/7 to evaluate your symptoms and determine if Zoloft is right for you.

Get started with our free assessment, which will tell you in minutes if treatment could be a good fit. If yes, we’ll connect you right to a clinician who can prescribe medication and have it shipped right to your door.

Frequently Asked Questions

How can I get Zoloft for free?
If you need further financial support, you may qualify for a patient prescription assistance program. Pfizer RxPathways is an assistance program for eligible people to get their prescription medications, like Zoloft, at a greatly discounted price or for free.
Can you buy Zoloft over the counter?
Zoloft is a prescription medication used to treat depression and several other mental health disorders. Taking this medication requires being monitored by a medical professional. It is not a medication that is available over-the-counter (OTC). If you believe you would benefit from it, speak with your medical professional about your symptoms.
How can I get prescribed Zoloft?
If you believe you would benefit from taking Zoloft for your mental health, first make an appointment with your medical provider to get advice about your symptoms. If they also believe you would benefit from taking Zoloft, they will write you a prescription for you to fill at the pharmacy. You will need to be monitored by your medical professional when you first start taking it.
How much is Zoloft out of pocket?
Out of pocket, Zoloft can cost $140 up to $416 for a one-month supply. The price depends on the strength of your dose and how many tablets you need for the month. Taking sertraline, the generic form of Zoloft is one way to save money on your prescription. Another way is looking into getting a discount card or online coupon.
K Health articles are all written and reviewed by MDs, PhDs, NPs, or PharmDs and are for informational purposes only. This information does not constitute and should not be relied on for professional medical advice. Always talk to your doctor about the risks and benefits of any treatment.

Robynn Lowe

Robynn Lowe is a board certified Family Nurse Practitioner with over 15 years in the medical field. Robynn received her Bachelor's and Master's degrees from Florida Atlantic University and has been practicing in rural family medicine since. Robynn is married to her college sweetheart, Raymond and they have three awesome children. When Robynn isn't with patients you can find her shopping, coaching her kids sports teams, or spending time on the water.

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