Or see your Summary of Benefits for a mail-order option. The Gold Net formulary is a list of brand-name and generic drugs that are considered best choices based on their safety, effectiveness and cost. A panel of medical experts selects drugs for the formulary. The list is regularly reviewed, updated and shared with pharmacists and network doctors. If your prescription drugs are not on the formulary list, you pay more of the cost.
Generic drugs are equal to brand-name drugs for safety and effectiveness.
They keep benefit costs down because they cost 30 to 50 percent less than brand-name drugs. If you choose a brand-name drug when a generic is available, you pay your copay plus the difference in cost. If possible, call your primary care clinic first. Most clinics have on-call doctors available 24 hours a day who can help direct your care. If you can't contact your primary care clinic and it's reasonable for you to believe that your symptoms indicate a medical emergency, get immediate care.