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cap on the meds?
Any plan with artificial caps, especially on Rx, is one to avoid.
That being said, I understand there are a few states where it is almost impossible to find a plan that does not cap Rx.
When you impose caps (Rx, outpatient, etc.) what you are telling the insured is we will allow you to use your plan but when you need it the most we are cutting you off.
That doesn't win friends with anyone . . . except the insured's attorney.
Most Saver customers don't understand the true implications of these outpatient services not being covered. One of the problems is agents giving short sighted advice and selling on price alone.