Decker , Maybe you can help me with a question a lot of retirees have about the VEBA. When I first retired , I had a 25 dollar co-pay for my Doctor visits but after a while my benefits were cut. I now have to pay for every office visit, test, and nothing seems to be covered. I live in FL. I retired from Norfolk,VA and my friends there have the same lousy coverage. Retirees in MI that I know have much better coverage. Why is that? I have tried to call the UAW but can't get any answers as to why this is.