The whole thing is a scam sponsored by the government. Just remember no insurance company provides anything for free, they are in business to make money. Fortunately I am covered under the wife's policy. They stuck me into a Medicare supplement plan and a prescription drug plan. I have zero copays a nd no deductibles. I do pay for medications. Her former employer picks up 70% of the cost so we are fortunate. If you can afford the supplement plan do it.