Reality bites in Texas in this article about the Medicare drug program.
Innumerable insurers try to get a piece of the action. Recently I searched for the most economical provider of the drug Arimidex (anastrozole). In our area there were over 40 providers and the total costs (premium, copay, etc.) for a year of the drug ranged from about $1100 to over $1600.
Consider the inefficiency of this system–the 20% or so administrative costs for each of the 40 insurers; their duplication of effort; and each insurer’s attempt to game the system. It’s not surprising you have a gap that requires the $3600 out of pocket expenses before coverage is resumed. This is driving seniors a little crazy.
It’s intuitive that a more efficiently administered program would eliminate this.