Al, I feel that you are accurate in everything you have stated.
When my parents first became eligible for Medicare, they carried secondary insurance. They thought that they were reasonably healthy and it was a waste of their money.
Two weeks after my father's 70th birthday, he suffered a MAJOR stroke, and spent 18 days in the hospital. Weeks later, when the hospital bill came, my mother groaned and moaned about the 20 percent that had to be paid, and blamed me for talking her into dropping the sup insurance (I didn't, in fact did just the opposite).
How quickly your circumstances in life can turn !
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