If you want to save more money on your health insurance plan, pay attention to what kind of drugs you are taking. If they happen to be brand name drugs, you will be paying more for that because they are brand names. In order to reduce the price of your drugs, why not consider using generic drugs? In most instances, they are the same thing as the original drug, but they are substantially cheaper. Health plans that have strong incentives to take generics provide a lot of savings. Here’s some great information on generic drugs from the Federal Trade Commission.
In some cases, you may find the drug is formulated differently and it may upset your stomach or give you other side effects. If this happens, then you may want to speak to your doctor and have a prescription written showing “no substitutions”
For example: let’s say you take Pariet for acid reflux. You’re doing fine with it until they switch you to a generic drug and instead of shutting off the acid the generic drug gives you acid. It happens. After a chat with your physician, you could get put back on the original drug.
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