staceysue, you can drop the handlebars by putting a different stem on your bike - either one with a lower rise, or 0 rise. You may be able to just flip the stem over that you have on it to give it a negative rise... Are you riding in your drops or on your hoods? riding in the drops will make you a little bit lower.

My bikes all have my saddle even or slightly higher than my handlebars... It's nicer on my wrists not having it lower.

My handlebars sort of have an dip to them at the sides where the drops are - and I've found that I can kinda lay/stretch myself forward, rest my forarms in that little dip and get in a fairly aero tuck without using aerobars. It's more comfortable than when I had aerobars on my bikes. So I do that going downhills or if I'm really trying to crank.