I think the major issue is that in some cases, the drug may not be in the formulary and you are having to pay the rack rate out of pocket with no cap.Just curious. What Part D (Drug Plan) cost you $0? That is a deal. How's the plan working out? Any issues?
This is the same as my plan (a Wellcare plan that cost me 40 cents a month last year). It works out for me, so far, because the only Rx I use is something that has been around a long time and is in the formulary. Theoretically, as long as I am on something that is in the formulary, I think my OOP max is $2K; although I've never really worked it out.