I've just gone through this for my parents. It really is good for them. It's about as complex as buying car insurance. You should shop for a decent price, but you can also buy if from several sources (Blue Cross, Drug Stores, etc., with no hassle at all if you're willing to accept the first price with no shopping.
It was a bit difficult filing for my Friend 81 year old,but she will get Generic RX's for only $6.00, the other RX's that cannot be filled with the generic will cost her about $56.00,but those are few and far between. She is very happy and relieved. Most of the regular Rx's today do not have the Patent protection so other Drug Manufacturer's get in on it and make it cheaper.