I agree that Medicare is most likely not applicable to the OP. As I said. I only mentioned it because of another post. However the discussion about Medicare has been very useful to others. I received a Private Message thanking me for the Medicare info as it affects them directly. I am a member and moderator of forums on other web sites. Most threads regarding a general topic like Healthcare go off in different directions as more people post about their questions and experiences. This is NOT a bad thing as the whole purpose is to provide information to all who want it and not just the OP.