Prescription costs are when you need to take medicine to make you feel better. But this medicine does not come for free. You need to pay for it, just like when you buy toys from the store.
The doctor writes down a special note called a prescription, which has your name and the medicine they want you to take. Then, you take this paper to a special store called a pharmacy. The pharmacy people use the paper to give you the medicine that you need.
The cost of the medicine depends on how much it costs the pharmacy to buy it from the companies that make the medicine. Sometimes, the cost can be very high if the medicine is very special, new or rare.
If you have insurance, it can help you pay for the medicine. This is like when your parents have a piggy bank where they put coins/paper money in case they need to buy something expensive. Their insurance is a sort of piggy bank that pays for their medicine so that they do not have to pay as much.
Overall, prescription costs are the money you need to pay to get the medicine you need, and having insurance can help make it easier to afford.