I used to take coumadin until the patent expired. In my case, I did experience some difference in anticoagulation effects from one generic to certain others.
A few years ago, a generic with a different name was substituted for the generic that I was taking. (I forget the brand name for this 'generic'), but I was unable to regulate my INR when I used this stuff.
I insisted on warfarin, instead of the other stuff. My pharmacy gives me warfarin, and I've been able to keep my INR pretty stable on it.
Also - a few years ago there was discussion on this forum about difference between generic warfarin from different manufacturers. There was talk about the binders and coloring agents that were used to make the stuff having impact on the way warfarin reacted in the body. My warfarin is from the same manufacturer (I'm pretty sure, but haven't checked the bottle), and I've been able to manage my INR using it. (Oddly, my dose has changed - and this may be because of differences from one manufacturer to the next - I'll have to check the bottle.)
Here in the United States, my warfarin usually comes in a pill 'bottle' (an amber colored pill container), and not in a box. Occasionally, when I get a LOT of pills (my doctor once wrote a prescription for 240 4 mg warfarin, and it came in three factory sealed bottles).
As far as Insurance coverage -- in my experience, brand name Coumadin is not on most approved drug formularies, meaning that only the generic is covered. I don't know if the price of Coumadin was reduced because of competition from generics, of they've increased the price because they KNOW that generics don't work for everyone and the patient has no choice.
On a slightly different topic - Ketoprofen, an NSAID that is supposed to have less effect on the platelets than other NSAIDS - is NOT on formularies, but should be an important pain reliever for people who take warfarin. Maybe it will lose its patent soon, or the insurance carriers will realize that it's a better alternative than NSAID for people taking warfarin/coumadin.