When I applied for this insurance they told me that it was not a discount insurance, and that I would only pay the regular cost for the medicines and not a discount price. For example, if the medicine was $30.00 I would only pay $10.00. They are only paying anywhere from $5.00 to $8.00 for the medicines and I have to pay the rest out of pocket. They did not mention an out-of-pocket amount before they would start paying.