I got a letter from my insurance this week that they wanted to change my beta-blocker away from what ive been taking like since it was effing invented!!! I researched it more - looked it up on next years formulary. Its gonna cost me like $25 a month instead of zero, to stay with the old med. I can handle that. Im glad i figured it out. But geez you hafta be fairly computer literate to take care of yourself nowadays. As well as medically literate. My old med wasnt in the index, but it was in the formulary. Tricky richards!