Team crap was supposed 'mirror' the old coverage. An 80/20 plan does not mirror the old plan. I have paid over $1000.00 out of pocket so far this year for my wife's treatments that would have cost $230.00 under the old plan. Flu shots are not covered. If you have a large number of claims you took a pay cut with this team crap. The company is paying team crap a set amount for every enrolled employee. This amount increases every year but our benefits decrease on the fifth year of this contract. I can't wait for the next elections at my local. They recommended this crap!