I am also quite fortunate in that I am still on my Dad's insurance plan...lol. MA state law now says that I can stay until I am 26 I believe, altho they did try to kick me off. I have something somewhat like Mel has, a three tier payment plan. Some prescriptions are 10, 25 and 45! Luckily I switched to a few generic ones recently. For all of those meds, I probably pay $150 a month...and then for Ultrase and Adeks its $10 each, eery three months. Also my doc copays are $10 every visit.