My wife and I are on Medicare. However, we are on Humana advantage plan. Medicare pays Humana for the service. We pay absolutely nothing for the plan. It pays for primary doctor's service, cost for specialist is $25.00. All of the labs, all types of x-rays, drugs tiers 1 and 2 zero co-payment. Hospital emergency is $50.00 and $75.00 for hospital admitance etc. for generics, zero cost. It would be a shame if the the health plan discontinues this service. However, in Pasco County, Hernando and Pinellas, the premium is zero because of the senior population. Check with Humana and see what you can save in your area. Hope this helps. I would not think of any other service.