I agree with your suggestions. I also know that plans change, and one doesn't know if one will be staying with a particular HMO 5 years from now.

So any "homework", that is done now, might not be applicable to 5 years from now.

Co-pays change, what's covered under medicare will no doubt change.

Any info we gather now, well, I really don't think it will be applicable to 5 years from now.

I'm not worried about any hefty bills when all this ends, because we don't have any assets, and you can't get blood from a stone.

But I believe I will call up my HMO and see what their position is when a person changes from 64 and is on Disability, to age 65, and are they still on disability or on Social Security??

I can't wait to call on Monday.

I'll surely post what I find out. Thanks much!

Mel