I am under my wife's plan. HMO haven't had any problems. My liver transplant cost me $15.00, but then just going to the doctor costs me $15.00. It's all through the University of Michigan where my wife works. All the doctors that I go to are in the University system also.

Aspirin.............whatever the price is for a bottle of 250
Imdur..............$21.00 for 3 months BP
Lantus.............$0.00 (Insulin)
Metroprolol........$0.00 (BP)
Novolog.............$0.00 (Insulin)
ProGraf.............$14.00 Month...Anti-rejection
Protonix............$14.00 Month...Acid reducer
Simvastatin.......$0.00 Generic Lipitor (Cholesterol control)
Ursodiol............$7.00 Month (control build up in my bile ducts)
Vitamin.............Whatever the price is for a bottle of 250
Zetia................$21.00 3 months (Cholesterol control)

My total monthly benefit comes to about $1200 plus what my copays are just for my pills.