Ugh NYB. Surely hoping that your string of bad luck is over.

FWIW, if your meds are generic, sometimes you can even save money by buying them at a retail pharmacy. For me, with generic meds, even though I have to pay the insurance company's premium, to me it's worth the small monthly cost to support my local independent pharmacy (and I pretty much break even anyway, when I combine the meds that cost less than my mail-order co-pay with the ones that cost more). Most likely, your pharmacy can tell you the retail price for maintenance meds under your plan. My insurance company's website says only that they'll charge me more for buying at retail - nowhere does it say how much. But brand name drugs are another thing. I won't go mail-order unless I have to, but I switched from prescription to OTC eye drops because my cost to buy them retail is triple the mail order price (way more than it was in 2014), and I only learned that by refilling them that last time.