re: What exactly am I getting out of my health insurance

It's high deductible (Which Obamacare highly incentivized the greatly expanded use of) and it's February. This is why companies usually fund a bit of the medical savings account which I'm guessing you didn't fund.

What exactly did you think was going to happen after the deductibles reset?

For the RX, you probably have a different RX provider (like CVS Caremark.) It's become very common for RX to be a carve out, so they're not covered at all by the *health insurance,* but they are covered by the carve out prescription plan. Use the prescription card, not your health insurance card on RX.

Pharmacies have some of the absolute laziest people I've ever seen. If I picked up a scrip in June of 2020 and was charged $40, they have no compunction about filling the scrip in July of 2020 and asking for $375. I stopped going through the drive thru and just walking up to the counter, knowing I was going to have the *same conversation* every, single, last time I filled it.