Janet, it's confusing to me too sometimes, and I pretty much know what I am doing. There IS so much to take in - it's mind boggeling.
Judy - FOR SURE keep your retirement insurance as your secondary insurance. Medicare only pays 80% for most things, so you really need that secondary insurance to pay that other 20%. If you have a $100,000.00 hospitalization which is not uncommon, then you are left to pay $20,000.00. Not pretty.
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Gayle
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