Thanks for that info Hope and LL !

I'm still covered through my husband's work family plan, but I'll have to make the switch at some point.

"Also, in the small print, it states that if you are "below Medicare age of 65" and have Medicare due to disability, the cost of a supplemental policy is higher and the rate STAYS higher and continues at the disability rate even AFTER you turn 65." I never even THOUGHT about an issue like this. Thanks for the heads up regarding that issue !