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SD wrote I prefer being as covered as I can.

In my view insurance is to cover expenses you can not easily cover yourself. That is one reason for having a deductible on say my auto insurance. If I have to have one accident every 3 years to cover the difference with an auto deductible, for me it is not worth it. Having that frequency of claims first would raise my rates and eventually get me canceled.

I happen to live in a state that allows me to change my medicare supplemental plans. (Not all do!). So since I am in good health and rarely go to a doctor other than my annual physicals (PCP, Dermatologist & eyes), I do save money with a co-pay system. My mother in-law has had dozens of medical appointments in the last year. She saves money with a no co-pay supplemental.
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