Results for Prescription Drugs

Direct Generics

Generic medications that are the same chemical entity as their patent-expired brand name counterparts.

Indirect generics

Generic medications that treat the same conditions as other brand name medications but are a different chemical entity.

 HRA Retail (up to 30-day supply)HRA Mail Order (up to 90-day supply)
What The Plan Pays: Value-Based Generic Copay

100% after $5 copay
Includes medication for high blood pressure, high cholesterol and diabetes

100% after $10 copay
Includes medication for high blood pressure, high cholesterol and diabetes

What The Plan Pays: Generic Copay

100% after $10 copay

100% after $20 copay

Reasonable and Customary Charges: Up to reasonable and customary (R&C) charges for out of network care. You are responsible for any cost difference if the dental expenses are more than MetLife’s allowed R&C charges.

Coverage is different in the HSA option

If you are enrolled in the HSA option, your prescription drug coverage is different. Visit the HSA option page for prescription drug information that applies to you.

Brand Penalty

A brand penalty is what you pay if you choose to fill your prescription with the brand name drug instead of the available direct generic version. The penalty amount is the difference between what the brand name drug costs and what the generic drug costs.

If you are prescribed a drug that does not have a generic version and is not on the indirect generic list, you will not be charged the brand penalty for filling that brand name drug.

Save Money with Generics

Generic drugs may look a little different than the brand name prescriptions, but they are just as effective, and they consist of identical ingredients in the same formulation. Plus, every ingredient that goes into a generic drug must be approved by the FDA.

If your pharmacy fills a brand name medication for any reason and a generic is available, you will pay the difference between the brand name and the generic, plus the brand coinsurance.

Save money and go generic the next time you’re at the pharmacy.