Eliquis and Xarelto each cost over $600 per month at US list price — but most patients pay far less, and many pay $0. The right path depends on your coverage type. The screener below takes about one minute and tells you which programs to contact first.
- The copay card doesn’t work with Medicare. Using it incorrectly is not just ineffective — it creates compliance problems. Medicare patients have a real, separate path.
- Medicare Extra Help can cap your cost at $12.65 per fill. In 2026, qualifying Medicare Part D patients pay no more than $12.65 for brand-name drugs. Single income below $23,475 qualifies.
- Uninsured patients can often get the medication free. BMSPAF (Eliquis) and J&J (Xarelto) both provide free medication for qualifying uninsured patients, up to one year.
- Foundations fill gaps for insured patients who still face high costs. PAN Foundation and HealthWell Foundation offer grants even for patients who have insurance but face unaffordable copays.
- Outside the US? Humanitarian access may be available through CareAccessProject if a physician in your country accepts your care.
“Atrial fibrillation doesn’t pause for financial barriers — and it shouldn’t have to. Most patients are eligible for meaningful cost relief; the gap is knowing where to look.”
— Dr. Aun-Yeong Chong, MD, MRCP(UK), SunnyPharma cardiovascular reviewer
How this tool decides what to show you
The screener matches your drug, coverage type, and income against the programs most likely to reduce your Eliquis or Xarelto cost, then lists them in the order most likely to work for your situation. The most important fork is Medicare vs. everything else — the copay cards for both Eliquis and Xarelto are for commercially insured patients only. They cannot be used with Medicare, and doing so incorrectly creates compliance problems. Medicare patients have a different, real path: Extra Help.
Never stop taking Eliquis or Xarelto because of cost. Both medications carry FDA warnings about the risk of blood clots and stroke if stopped early without medical guidance. If cost is a barrier, work through the programs above and talk to your clinician before skipping or stopping doses.
Common questions
Can I get Eliquis for free if I have no insurance?
Yes, if you meet income requirements. The Bristol Myers Squibb Patient Assistance Foundation (BMSPAF) provides Eliquis at no cost to uninsured patients with household income at or below approximately 400% of the federal poverty level — about $45,180 for a single person or $61,320 for a family of two. Call 1-800-736-0003 or visit bmspaf.org. Applying is free.
Does the Eliquis copay card work with Medicare?
No. The Eliquis copay card is for commercially insured patients only and cannot be used with Medicare, Medicaid, or other government insurance. Medicare patients should apply for Medicare Extra Help (Low-Income Subsidy) instead, which can cap Eliquis copays at $12.65 per fill in 2026. Apply at ssa.gov/extrahelp or call 1-800-772-1213.
Can I get Xarelto for free without insurance?
Yes. The Johnson & Johnson Patient Assistance Program provides Xarelto at no cost for up to one year to patients who are uninsured or have coverage that does not fully meet their needs and who meet income requirements. Visit PatientAssistanceInfo.com or call 833-742-0791.
What is Medicare Extra Help and does it cover these medications?
Medicare Extra Help (also called the Low-Income Subsidy or LIS) is a federal program that helps Medicare Part D enrollees with limited income pay for prescription drugs. In 2026, it caps brand-name drug copays at $12.65 per fill and eliminates the Part D deductible. To qualify, your income must be at or below $23,475 per year (single) or $31,725 (married couple). Apply at ssa.gov/extrahelp or call 1-800-772-1213.
Can I use the Xarelto copay card with Medicare?
No. The Xarelto withMe Savings Card is for commercially insured patients only and cannot be used with Medicare or other government coverage. Medicare patients should apply for Extra Help instead. Call 1-800-772-1213 or visit ssa.gov/extrahelp.
Are there patient foundations that help with Eliquis or Xarelto costs?
Yes. The PAN Foundation and HealthWell Foundation offer grants that can cover cost-sharing for anticoagulants. These are typically for insured patients who still face high copays or deductibles. Eligibility and grant availability vary by diagnosis and funding cycle.
I am outside the United States. Can I access these medications through humanitarian channels?
Humanitarian access may be available outside the US through CareAccessProject if a licensed physician in your country of residence accepts your care and a humanitarian export petition can be filed. Visit careaccessproject.org to check your eligibility.
Related anticoagulant guides
How we reviewed this article:
SunnyPharma follows strict sourcing guidelines and relies on primary sources: manufacturer program pages (BMS/Eliquis, J&J/Xarelto), the Social Security Administration (Extra Help 2026), CMS, and vetted patient foundation sites. Program terms and income limits are verified at the time of publication and may change.
Read our editorial policy →Sources & References
- Eliquis Copay Card program terms. Bristol Myers Squibb. 2026.
- Bristol Myers Squibb Patient Assistance Foundation (BMSPAF). bmspaf.org
- Xarelto withMe Savings Card. Johnson & Johnson. 2026.
- Johnson & Johnson Patient Assistance Program. patientassistanceinfo.com
- Medicare Extra Help (Low-Income Subsidy). Social Security Administration. 2026.
- PAN Foundation patient assistance. totalassist.org
- HealthWell Foundation. healthwellfoundation.org
- CareAccessProject humanitarian access. careaccessproject.org