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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 ClaimsWhen 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.Breaking Down Generic DrugsThe two ways generic drugs can be used are:
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. Customizing Drug Claim ViewsWhether 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:
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.Online Details AvailableA 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.
Seems like costs for generic medications are rising pretty quickly.
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