Don't understand how $2000 is saving us any money. Also can't use drug company coupons if you have Medicare. I am not looking forward to when I'm eligible next year.
Your system is unique because of your work benefits. Some of what I comment on won't apply for that reason.
I have been on Medicare since 2013. I transitioned from a limited managed car retiree policy from Amtrak, that was terrible. (lowest bid).
Being Cheap, I took Traditional Medicare, with a supplement and drug plan with the Teamsters. While the premiums were low, there were substantial deductibles and co-pays. After a year, I signed up with the Railroad Union plan as a supplement, and kept the Teamster drug plan until it shut down. (I looked at the Part C Plans, but most had "Cost Sharing", for the same premiums as I had, and restrictions on providers.)
My coverage, covers 100%, of Medicare, no deductibles, and Part D is through a Blue Cross Affiliate, with no deductibles, and co pays on Tier 3-4-5 Drugs. (Standard).
The $2000 limit on out of pocket costs, excluding premiums, only helps when you use one of the expensive drugs you see advertised on TV. My wife uses a Drug that retails for $6000, for 30 days. Her cost sharing is fulfilled in January...used to have to wait for March under the old rules. If you are fortunate not to have something that requires these drugs....then it doesn't mean anything..... Medicare, is a one size fits all program modified to allow private sector, for profit insurers to offer managed care policies, that might limit care, for the same overall cost. (But appeal to those who prefer private enterprise).
