I have a $5,000 deductible but my company gives me a $1,500 HRA. after I meet my deductible they cover 80% of my formulary meds & 50% of my non formulary but I only pay $8 for generics. Pulmozyne is non-formulary but TOBI has thankefuly just been moved to formulary. my premium is $196 month. My daughter takes several other meds so total with dr's visits because that's a $45 copay for a specialty doc (which the CF doc is) & a $22 copay for regular docs so all together I pay anywhere from $550-700 in copays a month, it depends on if shes on tobi or not & I also pay monthly for my vest. If I didn't have my mom helping me pay some months we would be in BIG trouble but im living with my grandma to help with cost also