What is the advantage if you already have prescription coverage under your health care plan? With my employer paid retiree Blue Cross plan, the copay is only $5.
If you got a letter from you Blue Cross Plan saying the plan you are on now is as good or better than the Medicare Rx D plan then you do not have to change and if down the road you decide to change to the Medicare Rx D plan you will not be penalized. Be sure to keep that letter though.
My husband and I were on the Premera Blue Cross Medigap with Rx coverage. This reimbursed us 1/2 of our Rx up to $3500 after the $250 deductible. We recieved a letter saying it was not as good as the Medicare Rx D and after research I saw that it wasn't. So we kept the Premera Blue Cross (without) the Rx for our medigap and then got Humana for our Rx.