Ok here's one union carhaul just went to the doctor for yearly check up got flu shot, blood work,etc my cost out of pocket 20 bucks, plus the fact that Central states has improved in some other areas . Went to the dentist x-rays, cleaning,etc cost out of pocket 0 dollars and thats 2 times a year. My wife has one script that would cost me almost 400 for a 3 month supply but after teamcare pays only 139 for a 3 month supply thats the biggest I pay out of pocket.