Citi Benefits Handbook
Dispense as Written (DAW) Solutions
The Dispense as Written Solutions program is designed to encourage the use of generic drugs instead of brand-name drugs. Typically, brand-name medications are 50% to 75% more expensive than generics.
If you or your doctor chooses the brand-name drug when a generic exists, you must pay the difference in cost between the brand-name drug and the generic drug (the "penalty") in addition to your copay. This charge will be applied regardless of whether the doctor or you require the brand-name drug to be dispensed.
Note that pharmacy and/or CVS Caremark Mail Service Dispense as Written (DAW) penalty amounts do not count toward your pharmacy or medical plan's annual deductible or out-of-pocket maximum.