I am so baffled and don't have prescription D coverage. I am on benzos and figure, why get it. Every medicine I want to take is really expensive. Imitrex and VFEND. VFEND is $2,500 for one month's supply. I get in touch with the drug maker and get the meds for free. I make less than you are alloted to make so, you can get meds for free. Where it can be a problem is if you need an antibiotic right away. You can't get in touch with a drug company and go through the hoops when you need an antibiotic NOW. It's a tough call and like Caledonia, I am sick of giving them my money when they don't help enough and don't cover my meds! What is the point! Getting it from Pfizer or many of the drug companies is not that hard. And they give you refills for a year!