Medicare Advantage plans - most do not REQUIRE the insured to use mail order BUT the net cost to the insured is considerably less if they take the generic by mail order, often no additional charge as the Part D premium covers the generic.
Your post gives me to believe you are not yet Medicare eligible. If that is the case, you are receiving employer paid medical in early retirement. Consider yourself lucky as there is a strong trend for employers to cut back or eliminate retiree coverage altogether.
Likely the eligibility age for Medicare is going to rise in the not too distant future. It will be prospective, that is would apply to new claimants and only to those who have not attained some given age (62 perhaps) so that they will have time to make career plans.
In today's world many have already seen the writing on the wall and are planning careers that will continue past age 65, maybe not the same career but continuing work for both the income and the medical benefits. A lot of talk inside the Beltway that labor people are exhausted and have to retire at age 62 or 65 or ... the age of the moment, but the reality will be that they too will plan ahead eventually.
JMHO, but with years of professional experience behind it.
As a retiree, I think we are all coming in on the short end. Price of everything is going up but my retirement income. (Our gov't officials income goes up. WV legislature in the past 15 yrs have voted to give themselves over 500% increase.)Many elderly are finding that their income is not meeting everyday needs. Old age medical care just might dramatically reduce ones standard of living. Our prayer or as it should be: Lord let me live long (healthy) and die fast. My heart cries for those that are not or will not be fortunate.
Let's stick to BB&T's stock price, OK? Frankly, if BB&T is getitng tight with its retiree benefits, that's good. What idiot at BB&T allowed an outdated pension plan like that to persist anyway into this century?