If you get your scripts filled somewhere with their own plan or flat price for generics, I'm guessing the $5 change is for their plan, not your insurance company. Walgreens automatically puts my generic scripts thru on their plan, so I'll get 3-mo worth of meds for what my insurance co-pay would be for 1 month.

The $300 max payout, IDK. Your guess sounds right, but I hope you're wrong!