The 2018 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 people 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 56,000 (2012-2013).
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 estimated that this year’s flu season will result in $15.4 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 lost personal days that would have been your winter or summer vacation. Not to mention the potential cost of doctors visits or hospitalizations.
Oh yeah, there’s also that whole feeling like crap for days/weeks thing.
Despite all of that, only 46.8% 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
I 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.
Flu shot effectiveness rate is widely disputed. There are many variables – age, severity during that year, new strains, unreported cases, and even effectiveness by manufacturer – that make it hard to nail down an effectiveness rate. I’ve seen it 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.
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 According to the Center for Prevention and Health Services, the flu indirectly costs employers about $76.7 million, on average, in missed work and other indirect costs like healthcare.
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 2018-2019 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 are not offering their flu shot prices online, but luckily I have a phone and made a few calls. Here is the pricing that I found (insurance acceptance varies and usual co-pay applies):
- Costco Flu Shots: costs $19.99 for quadrivalent. Costco is the cheapest on this list if you don’t have insurance. Flu shots at the Costco Pharmacy is one of the services you can get from Costco without a membership.
- CVS Flu shots: costs $22-$66.99 for quadrivalent (varies by location, so call ahead). Get a $5 off $25 coupon.
- Walgreen’s Flu Shots: costs $39.99 for quadrivalent.
- Rite Aid Flu Shots: costs $40 for quadrivalent.
- Meijer Flu Shots: costs $35.99 for quadrivalent.
- Wal Mart Flu Shots: costs $34.99 for quadrivalent.
- Sam’s Club Flu Shots: costs $30 for quadrivalent. Flu shots at the Sam’s Club Pharmacy is one of the services you can get from Sam’s Club without a membership.
- Kroger Flu Shots: costs $40 for quadrivalent.
- Target Flu Shots: costs $39.99 for quadrivalent. Note that CVS now runs all Target pharmacies, so prices are the same, but you do get a $5 Target gift card if you get a flu shot at a Target CVS pharmacy.
- Quadrivalent is designed to protect against four different flu 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.
- Last year, the CDC found that the nasal mist spray option was not effective compared to the shot and it was pulled from the market. However, in 2018-2019 it is being offered again, in limited quantities.
- 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 stores have locations by you, check out the CDC’s Flu.gov flu shot vaccine locator website, which will provide a map of locations by 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 or ways to get a free flu shot? Share in the comments!