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I know a lot of people have problems with this. Here is a secret that a lot of people might not know. When you get a prescription, generic, ask for the cash price. For example, if I sent a RX for Zolpidem (generic for Ambien) to Express Scripts Incorporated, for a 90-day supply, I would pay $30.00. If I go to a local retail pharmacy, and ask for the cash price, it is $18.84. Anthem Colorado just started covering Ambien CR, so I thought I would see what the cash price was - $399.00; needless to say, mail order was the way to go with this one. Call around, you never know who might be cheaper. Antibiotics are another example, a lot of them are only $6.00 - $8.00.
Also, I know that you do not need to be a member of Sam's Club to use their pharmacy. This might also be the case for Costco. Even though you have insurance, it does not always work in your advantage. Most pharmacies will not even tell you that the cash price is cheaper. I don't know if it is because you hand them your insurance card and they think you want it ran thru your insurance.
Another benefit in using the 90-day cash price, well, you can get 90 days, since most insurance companies limit you to a 30-day supply through a retail pharmacy. But if you are thinking of asking your doctor for a 90-day supply and want a cash price - make sure to call a few pharmacies. If it is going to be over your co-pay amount, and you need the prescription right away, ask your doctor for a 30-day supply (for the retail pharmacy) and a 90-day supply for the mail order pharmacy.
I used to MedCo when I had two insurance companies. MedCo was great (they probably aren't anymore). Express Scripts is not that great - it took them four weeks to get a medication to me. They would tell Anthem and myself different stories. I am in the process of filing a grievance with Anthem against Express Scripts so I can use a retail pharmacy and still get the same benefits.
I suggest signing up for an account at USPS - and you can print a shipping label. This is what I did and I was able to see when they received my prescriptions. If you pay for it online and print it, it is $4.90, at the post office, it is $5.15. But the expected delivery date is two days after you mail it. You can't beat that - I mean, I sent 8 1/2 pounds of soda pop tabs to the Ronald McDonald House and it only cost $14.65.