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Check out the LBYM Drugs discussion board.

Most pharmacies will give you a quote on any prescription drug. You can easily compare costs in your area with a few phone calls. Walmart has $4 for 30 day or $10 for 90 days on many generics. In my area grocery stores have mostly copied Walmart prices (and competing strongly due to more store locations). Some say Costco has best prices. I like Walgreens for their 24 hr service.

I use the Humana Part D that works with Right Source for direct mail of 90 day prescriptions, but also Walmart for short term needs.

I would suggest you total your premiums and your copays expected in comparing insurance vs no insurance. Remember if you don't sign up for Pt D, you will be charged a penalty if you sign up later. So if you break even with your regular meds vs no insurance, then you are covered if something comes up later.

Also note that Medicare Advantage plans often include prescription coverage. But copays can be higher making it expensive if you get sick. If you are well and don't need much from the medical community, it can be the low cost way.
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