I had Humana insurance last year and I had to pay up front for the pediatrician visits because Humana did not pay the practice in a timely manor. My sons medication cost 260.00 a month and another child's medication was 325.00 a month.
We changed insurance companies and we pay a total of 55.00 dollars for all medications.
We see the same md and we pay our copay and then billed what our insurance company does not pay. We do not have to pay any other fees upfront . We did not have a high deductible plan