Where to Get Cheap or Free Flu Shots

The 2019 – 2020 flu season is here and it could be a bad one. Should you get a flu shot? There are many good reasons to…

On average, approximately 5% to 20% of U.S. residents get the flu and more than 200,000 Americans are hospitalized for flu-related complications each year. The CDC posted estimates of seasonal flu deaths from recent flu seasons in the United States, with an estimated low of 12,000 (2011-2012) to an estimated high of 79,000 (2017-2018).

If you get the flu, stay home. And if you’re in business – encourage your employees to take sick days to not expose others. It’s been estimated that the flu results in over $34 billion in lost productivity for businesses.

If you want to save money, getting a flu shot is the smart strategy. Consider all of the medicine you will be buying if you do get the flu and lost income from work if you are not on salary, or the lost personal days that would have been your winter or summer vacation. Not to mention the potential cost of doctors visits and/or hospitalizations.

Oh yeah, there’s also that whole feeling like crap for weeks matter too.

Despite all of that, only 41.7% of Americans got flu shots during the prior flu season. That’s disappointingly low, considering the cost and widespread availability. It is a smart financial decision to get a flu shot, especially since the most you should ever have to pay is $30 or less. And in most cases, flu shots are free!

Flu Shot Effectiveness Rate & Time Before it Takes Effect

cheapest flu shotsI have often wondered how long it takes for a flu shot to take effect. According to the CDC’s flu.gov site, it generally takes about 2 weeks for the flu vaccine to protect you from catching the flu virus.

The flu shot effectiveness rate is widely disputed. There are many variables – age, severity of a virus in a given season, new strains, unreported cases, and even effectiveness by manufacturer – that make it hard to nail down an effectiveness rate. I’ve seen effectiveness rates reported as anywhere from 40% to 90%.

Regardless of effectiveness rate, there is no risk in getting the flu from a flu shot, so sign me up. It is recommended that everyone 6 months of age and older get a flu shot. And it is recommended that children between 6 months and 8 years of age get 2 shots per season.

Getting Free Flu Shots

There are a number of places to get a free flu shot:

1. Your Employer

My employer offered free flu shots to all employees this year. They also are offering free flu shots to family members, for the first time. Check with your employer to see if they will be offering free flu shots this year and tout the potential cost savings for them to do so, if they are not.

2. Your Physician through your Health Insurance

Indirectly, through your employer or if you have a public health insurance exchange, your health insurance is now required to pay for your flu shot without any co-payment due to Affordable Care Act coverage rules (when given by an in-network provider). If you are over age 65, Medicare Part B covers the cost of flu shots. And most state Medicaid agencies cover the cost of flu shots for Medicaid participants as well.

3. Your County Health Department

Many county health departments offer free flu shots to children and the elderly. However, increasingly they are offering this service to everyone. The only downside is the potential for long waiting lines. Check out your county or cities website for more information.

The Cheapest Flu Shot Locations

If you don’t have health insurance, or an employer or county health department that offers free flu shots, there are a number of retailers offering fairly cheap flu shots for the 2019-2020 flu season. If you do have health insurance that covers flu shots, it might even be more convenient than going to your doctor. Most have online scheduling.

Most retailers do not offer their flu shot prices online, but thankfully I have a phone and made a few calls. Here is the pricing that I found (insurance acceptance varies and usual co-pay applies):


  • Quadrivalent is designed to protect against four different flu strain viruses; two influenza A viruses and two influenza B viruses and is now the standard offered everywhere.
  • The trivalent option not being carried yet by any retailer this year.
  • In prior years, the CDC found that the nasal mist spray option was not as effective compared to the flu shot and it was pulled from the market. However, it is being offered again, in limited quantities, with disclaimers that certain populations should not use it.
  • I have not listed the age 65+ high dose prices here, because everyone in this age group is eligible for free flu shots, via Medicare Part B.

If none of these retailers have locations by you, check out the CDC’s Flu.gov flu shot vaccine locator website, which will provide a map of providers near you that offer flu shots.

Free or Cheap Flu Shot Discussion:

  • Are you getting a flu shot this year? Why or why not?
  • Did I miss any locations for cheap flu shots or ways to get a free flu shot? Share in the comments!

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