I'm under medicaid my family's prescriptions are well over $3000 + a month. I pay $10. I can see my pdoc 6x a year and my therapist 20x a year. However my therapist can petition for more sessions. I don't have dental. I have to go to my gp to get referrals to specialist. I don't pay a co-pay. The drs that accept my insurance are generally overworked and only have about 10-15 min. It takes about a month to get in to your GP but we have urgent care if you are really sick. Honestly its really good insurance .