Wow, I missed this. See what happens when you take a vacation?
I don't understand Medicare. So far, not a big problem, because I do
understand my HMO. Mind you, I think it's one of the better ones and I had a choice of several, but it's not perfect. Re the drug prescriptions, there are generics ($10 copay), non-generic preferred ($20 copay), non-generic non-preferred ($30 copay), and experimental/cosmetic/homeopathic/alternate-therapy/otherwise-disallowed medications (on your own). I'm pretty sure that, with the premiums they charge, my HMO makes a decent profit off most people, most years.
Yup, they'd like to take over the Medicare market. I'm sure it would work out just fine...