How to Save Money on Caplyta in 2026

Caplyta (Lumateperone) is an effective medication for schizophrenia, bipolar depression, and major depressive disorder — but its price tag can be a shock. Without insurance, Caplyta costs between $1,650 and $1,800 per month for a 30-day supply.

The good news is that there are real ways to reduce what you pay. This guide covers every savings option available in 2026, from manufacturer programs to discount cards and patient assistance.

How Much Does Caplyta Cost Without Insurance?

Here's what you can expect to pay at the pharmacy counter without any insurance or discounts:

• Caplyta 42 mg (30 capsules): $1,650 to $1,800
• Caplyta 21 mg (30 capsules): $1,650 to $1,800 (same price regardless of strength)
• Caplyta 10.5 mg (30 capsules): $1,650 to $1,800

Unlike many medications, Caplyta costs roughly the same regardless of the dose strength. And because there is no generic version of Caplyta available in 2026, there's no lower-cost equivalent you can switch to.

That makes it especially important to take advantage of every savings opportunity available.

Option 1: The Caplyta Savings Card (Best for Commercially Insured Patients)

The manufacturer offers a Caplyta Savings Card that can dramatically reduce your out-of-pocket cost:

• First fill: May be free (no cost to you)
• Subsequent fills: As low as $15 per prescription for up to a 90-day supply
• Maximum benefit: $600 per fill

Who qualifies:

• Adults 18 and older with commercial insurance (employer-sponsored, marketplace, or private plans)
• Must have a valid prescription for Caplyta

Who does NOT qualify:

• Patients with Medicare, Medicaid, TRICARE, or other government-funded insurance
• Cash-paying patients (the savings card requires insurance)

To sign up, visit caplyta.com/cost-savings or ask your doctor or pharmacist about the Caplyta withMe program.

Option 2: Discount Cards (GoodRx, SingleCare, and Others)

If you don't have insurance — or your insurance doesn't cover Caplyta — prescription discount cards can help, though the savings are more modest for brand-name drugs:

• SingleCare: Around $1,653 for 30 capsules of 42 mg
• GoodRx: Prices vary by pharmacy, typically $1,600 to $1,750
• Optum Perks: Similar range, approximately $1,650

These cards are free to use and don't require insurance. They won't bring the price down to an affordable level for most patients on their own, but they can save you $50-$150 compared to the full retail price.

You can compare prices across cards and pharmacies on each provider's website. Look for the best price at pharmacies near you.

Option 3: Patient Assistance Programs (Best for Uninsured or Low-Income Patients)

If you're uninsured or underinsured and can't afford Caplyta, the Intra-Cellular Therapies Patient Assistance Program (now through Johnson & Johnson) may provide Caplyta at no cost.

Eligibility typically requires:

• No prescription drug insurance coverage, or coverage that doesn't include Caplyta
• Household income below a certain threshold (varies by program)
• U.S. residency
• A valid prescription from a licensed provider

To apply, visit intracellulartherapies.com/patient-assistance or ask your doctor's office to submit an application on your behalf.

Additional assistance resources:

• NeedyMeds: needymeds.org — searchable database of patient assistance programs
• RxAssist: rxassist.org — comprehensive directory of pharmaceutical assistance programs

Option 4: Other Ways to Save

Check Your Insurance Formulary

If your plan covers Caplyta but places it on a high tier (Tier 4 or Tier 5), you may still face a high copay. Ask your doctor to submit a prior authorization or a formulary exception request to get Caplyta covered at a lower tier.

Ask About Mail-Order Pharmacy

Some insurance plans offer mail-order pharmacy discounts, especially for 90-day supplies. This can reduce your per-fill cost and ensure consistent access to Caplyta without pharmacy stock issues.

Consider the Free First-Fill Voucher

The Caplyta withMe program sometimes offers a free first-fill voucher to patients starting Caplyta for the first time. Ask your prescriber about this option.

Explore State Pharmaceutical Assistance Programs

Some states offer their own pharmaceutical assistance programs (SPAPs) for residents who don't qualify for Medicaid but need help with drug costs. Check with your state's department of health or insurance.

Talk to Your Doctor About Alternatives

If Caplyta remains unaffordable, ask your doctor about alternatives to Caplyta. Generic options like Lurasidone (around $30-$50/month) or Quetiapine (around $10-$30/month) may be effective alternatives depending on your condition.

Quick Savings Comparison

• Caplyta Savings Card (with commercial insurance): As low as $15/fill
• Patient Assistance Program (uninsured): $0/fill if eligible
• GoodRx/SingleCare (no insurance): ~$1,650/fill
• Full retail price: $1,650-$1,800/fill
• Generic Lurasidone (alternative): $30-$50/month
• Generic Quetiapine (alternative): $10-$30/month

Final Thoughts

Caplyta is an expensive medication, but you don't have to pay full price. If you have commercial insurance, the manufacturer savings card can bring your cost down to as little as $15. If you're uninsured, the patient assistance program may cover the full cost. And discount cards can help everyone save at least a little at the pharmacy counter.

Start by checking your options at caplyta.com, and use Medfinder to find a pharmacy near you that has Caplyta in stock. For more about availability, see our Caplyta shortage update for 2026.