Okay, but isn't medicare, MEDICARE!!! I mean, if you are on medicare and you are covered for certain things, then you turn 65, and they change your classification from disability to retirement, BUT YOU STILL ARE ON MEDICARE, right?

So why does changing the classification change the benefits that you were receiving?? I thought that once a person was on medicare, that when they turn 65, the medicare still continues. They might reclassify a person as 'retired" instead of "disabled", but I never knew abouts benefits changing, (especially if one is on an HMO)

I must look into this.

Thanks much

Melody