Generic and Brand-Name Drugs
The pharmacy program divides medications into three categories:
Generic — These drugs contain the same active ingredients and are subject to the same standards as brand-name drugs with respect to quality, strength and purity. Using a generic drug offers the lowest-cost option, regardless of where you fill your prescription. To save money, ask your doctor to prescribe a generic if available. Generics can cost 25% to 75% less than brand-name drugs yet are equally as effective.
Preferred brand-name — This category includes brand-name drugs with no generic equivalent that are included on the Cigna National Preferred Prescription Drug List (also called a formulary). This list includes medications that are proven to be safe and effective.
Non-preferred brand name — This category includes brand-name drugs that have generic equivalents or another brand-name option on the Cigna National Preferred Prescription Drug List. You will pay more money to fill a prescription from the list. You and your doctor may decide that a medication in this category is best for you.