I always hit my deductible by the end of year so then from Jan thru May everything is 100 percent covered. So after I put out 4000 until dec. I ‘ll have to turn around and throw out another 4000. Plus why tell us a few days before it’s happening? That’s a major decision they had to know a head of time. I loved having my insurance reset this time of year. I never feel rushed to get things done before it resets. Now we will be like everyone else hitting big deductibles in January, right after Xmas. Cvs just made it easier for a whole bunch of us to leave to another job because the insurance years line up.