Reply #9: I know this program is bad for a lot of people,

[FlaGranny]

but, so far, it has been good for us, because our HMO offers it free of charge, with all generic drugs on their list being free throughout the whole year - no copays on them, ever. We have to pay slightly higher copays for a couple of other things, but I see it costing us no more than we had to pay (overall for both drugs and medical care) than we did before. I don't particularly like the restrictions of an HMO, but it is the closest we've ever had to health care we can afford to use whenever we need to. Primary care provider is free, specialist $5, about $250 maximum for a hospital stay. Labs and x-rays free, etc. The only thing that could really get expensive is a nursing home stay if we had to be there more than a week.