Prescription Drugs: Generic versus Brand

Understanding generic drugs – and how they’re different from brand drugs – can help you manage your prescription drug costs. Here’s where to find common questions and facts about generics and individual health insurance prescription coverage.

Prescription Drugs: Generics and Claims
When my doctor asks if I’d take a generic, I say, “No, I’d like the brand.” Why? Why do I say this? I often end up paying more, and who knows if some other choice would help me feel better? Not only should I compare prescription costs, I should know the difference between generic and brand drugs.

Online Details Available
A full section on generic and brand prescription drugs is posted on our public website. You can view common questions and facts about your individual health insurance prescription coverage.

Customizing Drug Claim Views
Whether you and your doctor decide on a generic or brand drug, you can now narrow down your claim views on Blue Access for MembersSM (BAM).

While browsing the Claim Center, you can filter your dependent’s prescription drug claims by status, including:

  • Paid
  • Processed
  • Not paid

After selecting your dependent’s name, you’ll see a number between parentheses that tells you how many claims that person has in all of the status categories.

Breaking Down Generic Drugs
The two ways generic drugs can be used are:

  • Generic equivalents have the exact same active ingredients as the brand drug and are often offered at the same dose level.
  • Generic alternatives are used to treat the same conditions as the brand drug but the active ingredients differ from the brand drug.

One more word to keep in mind is…drumroll…savings.

Most times generic drugs cost less than the brand drug. If you’re on a budget, ask your doctor if a generic drug is right for you.