Good question. Remember that Flex plan will pay for OTC meds also. I always base it on what I can afford. The beauty of this is you can use it for others in your househould to for glasses dentist bills etc. I used mine mainly for precription copays. Another thing to consider is what is your Catastrophic Cap on your plan. Mine is 3,000 dollars a year. And unfortunally for the past 3 years I hit it just 4 months into the year. A hosptial stay always puts me over it fast. Any thing over that my insurance pays 100 percent of anything owed counting my precription medications. So yea make a call. I have TRICARE which is a military insurance coverage. Its called Standard. So they all differ and Aetna is a good insurance policy from what I have seen of it in past years. I used to deal with them while working for a physican and they are very good. SO yea make the call and see if they can help you decide.
Remember you should always check with your OWN Dr always...before taking my advice. We both with benefit doing it that way!!
Tough times never last
Tough people do...
This Ribbon is for our Lady Lisa and all the women that fight this ugly disease.
RIP Jerry my friend