When I was young and naive and healthy and had just joined UPS, I did not realize what a great benefit we had with our pharmaceutical plan. NO CO-PAY. Well, I just received an email from Medco that showed me how to print a summary of last years activity. Seems like I am making co-pays in the neighborhood of 25%. Now I realize that some of you can offset some of that cost with the Health Care Spending accounts but that is little help. Hey, I am a retiree on fixed income. If that 25% continues to rise over my retirement years, I may become a greeter at Walmart. It amounts to a silent reduction in my pension and a maybe-not-so-silent salary decrease to employees. I'll bet when I do get next year's email from MEDCO that 25% will be blown away.