Hello again, After reading the comments from pjas972j (Hello - I am in Burr Ridge), I realized I actually have been on Medicare for almost 10 years - times flies ! And I also want to mention, apparently things were different then, because every time we access our coverage, we are told that we have a plan that is not available any longer - and we would lose some coverage if we changed. Possibly, we got in at the right time. It is very confusing to me. Right now, I have never had a problem going to any specialist, hospital - cross fingers it continues!