For example, some plans offer a mail-order concept. They say you can buy a three-month supply of drugs for the cost of two months. But examine it closely and you'll find that . . . you don't get it for the cost of a two-month supply. It looks good, but it's not good. Some of the programs I would turn up my nose at.

One plan may charge $22 for a brand-name drug. Another may charge $66 for the same drug.