I have FedBlue and its really good insurance, the medication benefit is excellent.
Some of my meds and the meds are very cheap. We use the on-line pharmacy for the expensive stuff ($5000 a month) and co-pay is only $30.
Some of pour meds are less than a dollar.
Yep this sounds like a hoax to me.
Something off the formulary instead of a substitute, or getting it at an out of network pharmacy, perhaps.
I do know that Walmart charges a lot less than the copays shown for the mail pharmacy option.