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Jimmy,

You've been clear that all retiree's move into medicare as soon as they're eligible. It seems you have been unaware of a Blue Cross supplemental program that eliminates most co-pays. Also retiree's are eligible for out of pocket prescription bills over $300 for individuals and $600 for a family plan.

I'm unclear how much these programs actually cost the city. Below I've pasted from the article the material information I've referenced.

Rather, the noteworthy expense in Warwick is money spent on medical benefits for retirees. As last week’s article highlighted, all employees – and their spouses – hired prior to June 30, 2015 that accumulate 20 years of service (in the fire or police departments), or 10 years in municipal service, are entitled to a supplemental healthcare plan through Blue Cross that eliminates co-pays for most services associated with Medicare, which retirees become eligible for when they reach age 65.

Thanks Mr. Hartley

Additionally, members of the three groups get an out-of-pocket prescription cap of $300 per individual and $600 for a family plan, which could potentially leave the city on the hook for large prescription bills for the remainder of a retiree’s life, especially if that person has any number of chronic conditions which often require the taking of multiple, expensive medications daily.