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One bit of advice to anybody that may be shopping for coverage...
From my own experiences, NEVER skimp on the prescription coverage.
All it takes is one minor diagnosis that requires a script that doesn't have a generic available to get you to start punching yourself in the face.
Perfect example in my own life this very moment:
My boyfriend was recently diagnosed with ulcers. 20 years old. Ulcers are almost unheard of in 20 year olds -- took a year to get the diagnosis because it's so rare. His script, Nexium, is an extremely common drug and still runs us about $400 a month. The worst part is that it doesn't even seem to be working after three months on. They'll probably end up switching him to another expensive drug. Money down the toilet...
Edit: Before the actual diagnosis was given based on an endoscope they started him on Protonix "just to see if it would help." That was another expensive drug.
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