My Coverage Explained

Prescription Drugs: Generic versus Brand

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

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 how generic and brand drugs are different.

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

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

One more word to remember 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.

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

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

  • Paid
  • Not paid
  • Processed

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

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

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