Tag: generic drug coverage

How Insurers Choose Which Generics to Cover: The Real Rules Behind Formulary Decisions

How Insurers Choose Which Generics to Cover: The Real Rules Behind Formulary Decisions

Kaleb Gookins
5 Jan 2026

Insurers use strict criteria to pick which generic drugs to cover - focusing on cost, safety, and effectiveness. Learn how formularies work, why some generics are approved and others aren't, and what you can do if yours is denied.