If you purchase a brand-name drug that has a generic equivalent
, you will pay an ancillary charge*. Here's how it works:
- You purchase a brand-name drug that that has a generic equivalent.
- The plan pays the same amount we would have paid if you had purchased the generic equivalent.
- You pay the rest.
Specifically, you pay the generic coinsurance plus the difference in cost between the generic and brand-name drugs.
To find out if a brand-name drug has a generic equivalent and is subject to an ancillary charge*, check the UMP Preferred Drug List
(look for "AC" under the "Ancillary Charge" column) or call Washington State Rx Services at 1-888-361-1611.
Ancillary charge* amounts are considered noncovered and do not apply toward your prescription drug deductible or medical out-of-pocket limit.
Why do I have to pay an ancillary charge*?
Generic drugs have the same active ingredients and have been determined by the Food and Drug Administration as being therapeutically identical to their brand-name versions. Choosing generics saves money for you and helps keep premiums low for everyone in the plan. If you choose a brand-name drug when you could have purchased a generic drug, you will pay the difference in cost.
How can I avoid paying the ancillary charge*?
Ask your doctor to write the prescription with "substitution permitted." Then, if there is a generic version of the drug, the pharmacist will automatically fill your prescription with the generic. If a generic becomes available in the future, you will get the generic when you refill your prescription.
*The ancillary charge no longer applies effective January 1, 2014. After that date, you’ll pay the
normal coinsurance for nonpreferred brand-name drugs that have a generic equivalent.