Having an R/x copay is like having a Prop in the Sin Bin

So you think you've got R/x coverage, because you have a copay listed on your insurance card.

Well, guess what...that doesn't mean crap.

If a front row player gets sin binned, you must either move another forward up, or sub out a back rower to bring on a front row specialist. Either way, you pay dearly for lost mobility around the park. As a coach, just because I have an extra prop on the bench doesn't give me peace of mind if a starter decides to be stupid.

Read your EOB, or explanation of benefits. If an MD prescribes a NAME brand medication, the insurance company typically has the right to charge you more money, despite what you're already paying in premiums.

Ask for generics, then go to Walmart. Also, drop your R/x cover from your plan if you don't take regular prescriptions. You'll be shocked by how much money you save.