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Well, I don't pay out of pocket for most of my meds. However, newer meds, experimental meds, and others for whatever reasons the insurance companies come up with, are not covered. These are usually the most expensive of all and of course they must come out of my pocket if I want them. So, maybe I don't pay out of pocket for my meds, but I am limited as to what I may use. Marling 51/5 still trying to laugh