I feel your pain. We will probably see nothing out of this from the Insurance company bar the allowed charges being alittle less that what the Doctor/Hospital wanted. I pay around $675 a month for the both of us, but have a $3500 deductible for each of us before they do the 80/20 thing. What a rip. If you do have to get some prescriptions filled, don't forget to hit Wal-Mart for their $4 a month and $10 for 3 months meds. It has saved me a bundle on my BP and Cholesterol meds.