In a Consumer Reports survey, almost one-third of the doctors failed to discuss side effects of prescribed drugs, and two-thirds never brought up costs of treatments and tests, patients said.

Don't be shy about asking why your doctor is prescribing a particular drug over others. There should be a clear reason. And find out whether the recommended drug is approved for use for your condition or is being prescribed "off-label." Off-label uses are often beneficial but also might pose a higher risk of problems. And be sure to ask your doctor if there is a low-cost generic version of a particular drug.

Read more on how to talk to your doc and save on your medications.