Dear Friends: For those of you who are in Medicare Plans that require a great amount of Co-Pays and Deductibles, you have an option to leave that Plan in January to February 14th of 2012. You may then chose a plan that has little or no Co-Pays or Deductibles without proof of insurability. I find that some people need to make a change to a better Medicare Plan but do not know how to go about it. I will be having Medicare Educational Seminars at the end of January and beginning of February right in my office at 770 Deltona Blvd. Ste. B, Deltona, FL 32725 - 386-860-0001X7. Please call me and I will show you legitimate options with no pressure -- just gentle honest assistance. Please call! Ron