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We have been on Medicare for more than 15 years, with no complaints. To cover the deductibles and 20% not covered, we went with the AARP-suggested United Healthcare and have stayed with them ever since. No changes.

Not cheap. Costs me $470/month this year for the two of us this year ($235 each). However, we haven't paid a nickel since starting -- for doctor's visits, surgeries (several), consultations, etc. NO DENTAL coverage, sadly, and we have avoided Part D -- pharmacy -- because the doctors have kept us on generics (thankfully). Costs for Part D would have been higher, and Hannaford's drugs usually run $9.99 for 90 days.

To each his own. Look carefully and see what looks best. Good luck.

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