Quote Originally Posted by HopAlongBunny View Post
Out of pocket costs so far = $0.00; that will change when I fill my prescriptions => what would be my experience in the USA?
Two thoughts:

  1. The USA system is a lot more complicated than you make it out to be (who exactly gets stuck with the inflated bills is a hotly contested issue every single time), but you've got the general outline correct.
  2. Your out-of-pocket may be $0, but you are still paying. (Ain't no such thing as a free lunch.) But you are paying in a much more rational manner than we do south of the border.