Although health insurance may provide coverage for prescriptions, there may be a "healthier" discount found by purchasing generic drugs. Learn more about how to get the biggest savings from a prescription drug plan.

Save Money by Requesting Generic Prescription Drugs

Generic drugs provide consumers with big savings on their prescriptions. Generic drugs have the same active ingredients as brand name prescription drugs and work the same way as brand name drugs, but are sold at a huge savings to customers. Generic drugs often look different than brand name drugs and become available once patents expire on their brand name counterparts. After patent expiration, competitors can sell prescription generic drugs at a huge savings to customers.

How Generic Drugs Provide a Savings to Customers

The generic competitors do not have to pay for the research and development costs that the brand name drug manufacturers had to pay for so can offer the generic drugs at a huge savings. Health insurance companies in turn pass along the savings in their prescription drug plan. Typically the costs for brand name drugs are much higher, even with medical insurance. Prescription drug plans typically highlight the importance of asking for generics whenever possible.

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