Dear All, I am on disability and I have Aflac medicare supplement (plan F) which is good. It covers all excess expensives so basically I don't any out of pocket expenses. Only problem is I pay $244.00/month (in addition to 50.00 for medicare)and it is really hard for me to afford it nowadays. Aflac no longer offers supplement plans, I can can't change to a cheaper plan.....except if I go to another company. I found a medicare supplement HMO plan for $40.00/month in my area. There are expenses involved and of course you have to see doctors in the HMO. Can anyone tell me about your experiences with HMO? Does anyone have any opinions on swinging it with just Medicare and no supplement plan? Are there doctors that will accept whatever Medicare pays and don't go on a head hunt for the balance. Thanks!