Oh, Canyon, make sure to tell any of your friends of Medicare-age about the new semi-scam that's going around. My mother works in home health and said it's appaling rampant. Apparently these sales reps for HMOs go around to old people and tell them how wonderful their insurance program is and weedle these poor old people into dropping their Medicare for this HMO. Then the bills start coming in; huge premiums and even bigger deductibles. My mother said one woman they had saved from her HMO had a $1,000 deductible for hospital coverage alone. She had already met that, but now needed home health care and that was a separate $1,000 deductible that she had to meet. Not that it much mattered, since there was not a doctor, hospital, home health care agency, or even a DRUG STORE within 45 miles of her house that accepted her insurance. Mama said some were worse; she'd seen people with these HMOs not have any medical services whatsoever, even a drug store, within 80 miles of their house. She said her office had a case worker who does nothing but help old people get switched back over to Medicare; it's the only way to get their home health care paid for. What's more, it takes a month to get switched back over to Medicare. So set the word out to never, ever give up your Medicare. This isn't the same thing as supplemental insurance; this cancels your Medicare all together. And it's actually legal, even if the insurance agents are purposefully confusing, misleading and lying to the old people to get them to switch. And the first person that's probably going to approach you about switching insurance is probably going to be the company that provides your prescription drugs. So be wary!