I hesitate to post the name of my insurance company. And won't recommend it. However, When I was employed they were my employers company of choice dating back to 1970. I've seen the smaller ones come and go over they years. As messed up as mine are now the others surely must be even more catastrophic. *( I'll only say it has the word Blue in it two times. And it is the BIGGEST ).
When selecting the HMO there can be multiple choices of coverage. I took the top choice. As to filling prescriptions I live in a county North West of New York City and we have pharmacy's EVERYWHERE. But I have had problems with some and their pricing. I had Lumigan prescribed for ocular hypertension. It's EXPENSIVE. Fortunately my insurance did pay a goodly portion. Then I contacted a mail order pharmacy
https://www.express-scripts.com/ and their prices were even better. You can get a 90 day supply at relatively bargain prices. It's simple. You don't have to drive. Just stay at home and renew.
Drug company's patent their medicines. When the patent expires it's available on the open market as a generic at a fraction of the price. Too there may be alternatives. I have noticed recently that there is much progress in new drugs and some older are being obsoleted and/or replaced with newer.
One drug that I got stuck with last month is for the heart. It's Xarelto. The "sale price" is $377 for a 30 day supply. With my insurance I have a deductible of $270. So my January prescription was $270. In February it dropped to $40 for a 30 day supply.
I will add that some select company's with astronomical drug prices do have a provision, for retired Medicare HMO clients, to provide drugs at significantly lower prices or free. But it is only to very low income applicants.
I'm disinclined to change insurance company's. But I have thought about it. One that I would investigate is AARP's recommended company United Health Care. *( I am an AARP member of many years but that doesn't mean that I trust them or their judgment. Truth be told I'm actually a little bit skeptical of some positions and motivations for valid reasons ).
Sadly the combination of health insurance premiums, co-pay, co-insurance, prescription medicines and the whole plethora of other matters can become ruinous financially. Obamacare seriously exacerbated the problems. Instead of making things cheaper, as promised, in reality the costs skyrocketed for everyone except the low life free loaders and pond scum. Obama wants to pick the pockets of the more affluent and fill the pockets of his low income voters.
In 2014 dealing with health costs became very significantly complicated. There is much confusion everywhere both inside the insurance company's, the nurses, the hospitals and the patients. The new rules have been written in such a manner that they are full of duplicitous contradictions, catch phrases, obscure sentences. From one page to another in the "explanation of benefits" there can easily be two statements that are subject to entirely different interpretation. Further, let the buyer beware. I am always being mis-quoted by almost everyone as to prices. It is difficult to ascertain if they are pulling an opportunistic rip off or just not informed.