I'm not sure what the big deal is about 40% vs 50% other than it pays more money monthly.

If you are service connected, then your co-pay didn't go up for scripts like the rest of the vets.

At 40%, I get all the medical treatment I want (there's some things I prefer to use an outside physician/facility for) and, though they bill my BC/BS for non-service connected treatment, (and BC/BS pays very, very little to them), I never have a co-pay.

I do pay $24 per month for a 90 day supply of prescription meds, but that's a lot cheaper than using my BC/BS plan.

Is there any other benefit other than a bit more money? Not saying you shouldn't get it, just wondering what benefit there is to it.

Bob