[chuckandbernice]

I've been with Optimum and Freedom Health, same company, since 2011 and could not be happier. I am type 2 diabetic, testing supplies free, tier 1 drugs free, paying $120 of my Medicare premium monthly, free dental cleanings twice a year, my major neck surgery was $100,000 and I paid $174, shoulder surgery $56,000, I paid $200. No copays for Dr visits, free labs and x-rays. $75 worth of items monthly on their web site. My wife $100 pay-down and $50 free from their web site, she is healthy. But some do not like an HMO.