A generic drugs without rx can be distributed if the original patent for the product obtained has expired. If generics are available for public consumption, the competition resulted in the market price is much cheaper, not only for the loans, but as well for the brand product.
Generics save consumers and insurance companies a lot of money. As already mentioned, this is due to the fierce competition among manufacturers. The cost of generic drugs are much lower, so that the company is able to provide the public with a reasonable price and still turn a good profit.