NEW YORK – For many of us, fall means we’re handed a packet of materials and asked to ponder our medical benefits as part of open enrollment season.

So as you review your health care budget, remember that you might be able to save big on prescription drugs. Here’s how:

1. USE GENERIC MEDICATIONS. Generics are available for more than three-quarters of the 11,000 federally approved drugs on the market, according to the Generic Pharmaceutical Association.

2. FIND A LOWER-COST OPTION. Even if a generic isn’t available, you might still be able to find a cheaper alternative. For example, someone with heartburn could save more than $100 a month by taking over-the-counter Prilosec instead of Nexium, said Gail Shearer, director of Consumer Reports Best Buy Drugs.

3. SHOP AROUND. Call ahead to pharmacies to get price quotes before heading out. A search for sleep aid Ambien in New York City showed $140 for a 30-day supply at one Walgreens and $171 at a Rite Aid just a mile away. Don’t overlook traditional retailers such as Target Corp. and Wal-Mart Stores Inc. and Fred Meyer, which offer $4 prescription programs.

4. ORDER BY MAIL. The savings can be significant.

5. RESEARCH STATE DISCOUNT PROGRAMS. For those without insurance, at least 19 states have prescription drug discount programs, according to the National Association of State Legislatures. Washington’s plan has no age or income requirements to enroll.