Interesting thread.  I just posted in my blog thread how happy I was that I was granted an exception by our insurance for my Estradot patches.  Their preference was for me to use generic, so I had to apply for the exception.  There is a huge, HUGE difference between the brand name and the generic.  Judging from the posts in this thread, my experiences might be relevant.
The generic patches (Sandoz) are enormous.  So big that I was only able to use three locations, meaning that they caused more irritation: I was re-using each location every ten days.  The Estradot patches are much smaller.  I can go a full month before re-using the same bit of skin.
The generic patches use water-soluble adhesive.  So they come off in the shower or if you perspire a lot.  It makes for easy soap-and-water cleanup, but you don't get the hormone if they don't stick.  Estradot patches use an oil-soluble adhesive, so they stick in the shower.  They do leave a black "bathtub ring" when you peel them off that soap won't get rid of.  But a bit of oil (bath or baby oil) on a makeup pad will take it right off.
The big difference for me, and what caused me to switch, was that the adhesive on the generic is a serious irritant.  They would always leave a red spot for a couple of days.  It got worse, so after three years, I was applying new patches over bright red, inflamed, painful rashes from the previous week.
My doctor had always prescribed the Estradot patches, but the pharmacy substituted the generic.  I asked my doctor to put "no substitutions" on the prescription, and I asked the pharmacy to put the same on my file.  That worked well ever since.  No more rashes or pain.
The paperwork from the insurance, due to a recent change in providers, was several pages long.  It had me document exactly what the problem was with the generic.  I had to get my doctor to sign off on it.  But they accepted the application, and they granted me an exception.