Active Employee cards begin with the prefix TXW and show copays.
Retiree cards for the A&M Care plan use the prefix TXW if the retiree or any other covered dependent is under age 65 - this card has the copays for those under age 65 and also indicates "Medicare primary - No copay" since there may be covered members over age 65 (because it covers both situations, this can be confusing).
Retiree cards for the A&M Care plan, use the prefix ZGB if the retiree is over age 65 and all covered dependents are age 65 or older - no copays are shown on the card.
Retiree Cards for the 65+ Plan use the prefix ZGB and does not have the copays since all enrollees should be Medicare primary.
Blue Cross BlueShield ID card samples