That's something only the consumer cares about. As noted, the orgs above the pharmacy divide them into 30 and 90 day groups, with different policies and prices

That's something only the consumer cares about. As noted, the orgs above the pharmacy divide them into 30 and 90 day groups, with different policies and prices for each. Also, some retail pharmacies will do the 90 day benefits thing as well as the normal 30 days, I get the impression this is better for some benefits managers than setting up their own mail order pharmacy or contracting with someone like Express Scripts. If I remember correctly, the Humana only Wal-Mart plan does this, as well as others (I learn about this sort of thing every year when I examine Medicare Part D plans and chose one for the next year).