I had the same problem when I was in college (a few years ago). I was eligible for the patient assistance programs for my insulin because, while I had insurance through my school, my prescription drug coverage under that insurance was inadequate and had a cap just like yours. I think I ended up being eligible because while I technically had prescription drug coverage, it basically ran out and I no longer had any coverage. Does that make sense? I would double check those program requirements to make sure. I used one through Sanofi-Aventis and also through Lilly (one for Lantus & one for Humalog). I never had to use any assistance programs for test strips, so I can’t help you out on that front. Those were covered under some other part of my college insurance plan.