Thank you Hopeless for your info, and thank you sleeper for the link, I know I had seen that before as soon as I clicked on it, but it was a great refresher. I am qualified for social security to pay half of my what do you call it co-pay or deductible or both, plus I no longer have to pay for my part B (?) for medicare, I qualified for not having to pay for that. I didn't qualify for state aid, so I was told by medicare I have the kind of medicare that I can change at anytime, and part C might be a good choice for me seeing as Im having such a hard time paying for that 20% that medicare doesn't cover. So they had me talk to a Blue Medicare Access Value Regional PPO guy who referred me to a Anthem BC/BS guy who said he'd send me out the info I'd need to make my decision if I wanted to sign up with them or not. I tell you one thing, my head is spinning with all this medicare stuff worse then that chick on the exorcist!! However, I did learn that I don't have to pay for things if I didn't know that medicare doesn't cover them. That was an interesting little tid-bit! Too bad it was only ONE test I had done that they don't cover