@calanbrown Great advice, that I have applied in my daily life! Thank you! Life is precious!! In the current cruel, mean, world, that us regular folks live in, these days, it has become difficult for many, especially the more vulnerable citizens , including elderly, like me, and young people, just starting out! An example of this is part of the story of my life. Directly because of Federal Administrative decisions, last year, I lost my Medicare Advantage Insurance coverage, along with thousands of other people, at the end of 2025. An Insurance broker signed me up for a Medicare Supplement plan in November, 2025! With the thousands of applicants signing up for Medigap, who lost Medicare Advantage coverage in 2025, the Medigap Insurance Company that I signed up for, through my broker, became overwhelmed with applications, and, in my case, in spite of my broker and myself checking the status, of my application, on a daily basis, which included me faxing my paperwork to them, proving that my Medicare Advantage coverage was terminated on December 31,2025, through no fault of mine, this Medigap Insurance Company would NOT approve my Medigap policy, until FEBRUARY 2,2026! Meanwhile, I ended up having a major medical crisis, in January, where, because of a diagnosis an by a Neurologist, serious neurological symptoms, required an urgent MRI imaging, also, ultrasound of caratoids, bloodwork, and more Cardiac and Neurologic Doctor visits! I was covered ( about 80% ), by Medicare A/B! Thank goodness for that! Anyway, I HAD NO MEDIGAP COVERAGE, for the remaining 20%. The Hospital Medical Providers where I live, were INDIFFERENT when I tried to explain to them that I had applied for Medigap coverage, but the approval had not happened yet, because the MEDIGAP provider was processing thousands of new Medigap approval applications, and was behind with their paperwork! Imagine me, a nearly 80 year old senior, possibly seriously ill, being harassed by hospital personnel, who told me, that they would NOT follow through, with the needed MRI, imaging, or the ULTRASOUND of the caratoid’s, unless I paid $280.00 for the 20% of the MRI cost, and the $150.00 cost of the ultrasound 20%! So I paid up! After the MRI, was analyzed, the Docs found out that I had several lacunar strokes! With my also having atrial fibrillation, I was put on a blood thinner, Eloquis, that cost me $650.00! I have been quite upset about all this! Oh well! Such is life in these difficult times, for an old man, like me!