Yes, I agree with you. Our insurance in this country is crazy. You stated you don't get drug coverage. A few years back before I got medicare and was waiting for a hearing, I was spending over $1,000 for medications in the states (per month) . Do you remember the RX Express? It was a train that US Citizens took up to canada to get their scripts at a reduced cost. I rode that train. I received three months of all my medications for under $300. Your costs up there are much better than in the states. Our Gov. does not bargin well for medications. We also have this thing called the donut hole. If you reach a certain cost with medications, you are again paying out of pocket for your medications until you reach the "next level" I think that our country could learn from your health care system even with flaws. It would be nice if both countries could exchange ideas and come up with something better for the both of us. ginnie