I agree, exactly how this insurance business works is a mystery to me. I have perfectly good Blue Cross Blue Shield health insurance, the same plan that I've carried for years. Because I had to have this surgery right at the beginning of the year, I had to pay my deductible right up front. Then with various other fees and services that were either not paid or only partially paid, other bills have added up. I have so far paid over 900 dollars out of pocket for this operation (and associated labs and pathology)! For heaven's sake, this is considered a good insurance plan! What on earth do people do who don't have insurance at all? Because believe me, I didn't exactly have 900 dollars laying around. And without insurance, it would have been much, much more.
And yes, Pooh, I'm falling in that generic trap, too. There's not a generic for one of the prescriptions I've been put on. I'm getting it by mail order, which is the cheapest option, but still I'm paying $72 per prescription instead of the $10 it would cost me if it were generic. Based on your story, I guess I should be glad it's ONLY $72!