For retail prescriptions, my current insurance is $10 copay for generic, $20 copay for brand-name. My new insulin is being charged at the $20 rate. Every plan I have found so far that offers scrip coverage does brand name drugs at a coinsurance percentage rate, rather than a flat copay. Most of them offer generics at a co-pay rather than a coinsurance percentage. Half are 30% co-insurance for brand-name drugs, the rest are 50%.
The insulin I just picked up cost me $40. For $1025 in drugs, for 30 days. The cheapest insurance plan I'm looking at will cost me $307 per 30 days, just for my insulin.
The WA state prescription card can get it for $364 per 30. Or just under a grand for 90d.
Sooo.. I get to pay anywhere from half to half-again as much for my new individual insurance plan, depending how hard I want to get screwed, and in exchange, I'll get to pay anywhere from 5 to 10 times as much for my drugs. Oh, how I look forward to it so.