Contrary to what many predicted two years ago, ... we found a robust market for seniors in many major cities. By careful shopping, consumers can save hundreds of dollars in their individual HMO and Medicare supplement choices.

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You might ask the doctors whether they're happy with the HMO, and whether or not they have to go through a lot of hoops to get you care, ... Because if the HMO is controlling services very tightly, then maybe that's not the plan for you.

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If you need a podiatrist and the plan has only two, and they're very far away from you, them maybe that's not the plan you want to go to.

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