I'm renewing my insurance. Currently I'm on a genric RX program. To change it to the other one is going to cost me $150 more a month (and my employer about $100 I think). Right now I don't have a need for anything but generic.

So say I do end up getting a dx for MS in the next couple months. And say they treat me with something. How many of these drugs are name brand only?

The only other benefit to the more expensive plan is that they pay 5% more of the fees for labs and whatnot. But if I ended up in the hospital, that might be a big difference. Something huge would have to happen to actually hospitalize me as I've had some bad experiences. I think even if I had ON I wouldn't want to actually be hospitalized.

Things are tight right now with money, but they'll get better by the end of the year. This doesn't kick in until 10/1 so have a little time to think about it. Please let me know what you think.