This is one HUGE perk of living in Arizona and being over 65....we have this wonderful thing here called a Medicare Advantage plan that very much makes insurance and medical issues affordable. I don't know if all states have them but there are Medicare Advantage plans in Maricopa County (metro Phoenix, suburbs, and outlying areas) that are $0 premiums and I mean tiny, tiny, tiny deductibles and reasonable copays to the point that it actually saves you money to stay HERE for health care as opposed to fleeing to Mexico for health care - these Medicare Advantage Plans are truly that good. My mother is with Health Net of Arizona and has only nice things to say about them, and this is after spinal surgery in 2012 and a knee replacement earlier this year. Rob
PS Came back to edit - my bad. Should have been $0 premiums and not $0 co-pays.