This is real personal for me. I have a daughter with a very serious gastro intestinal disease.  She has a Blue Cross independent medical plan that currently costs about $5,000 per year.  The deductible is $4,000 annually.  Until that deductible is paid Blue Cross pays about 50% of each doctor’s visit.  The plan DOES NOT cover all medications.  Consequently the medication for her disease IS NOT covered despite a doctors presentation explaining her need for a special medicine that has no generic substitute.  The consequence is that the medication is bought from a Canadian pharmacy at 1/3 the cost in the United States.  The cost of the medication is $250 for a 90 day supply from Canada or a 30 day supply in the USA.