I HAD HUMANA FOR THE FIRST TWO YEARS INSTEAD OF MEDICARE. IT IS AN H.M.O.. IT WAS PERFECT, I PAID MONTHLY AND NOTHING I HAD DONE WAS OUT OF POCKET. NOW, EVERYTHING EXCEPT SEEING MY G.P., COSTS AT LEAST $30.00 FOR SPECIALIST, AND REHAB IS AT LEAST $25.00 PER VISIT. I have nothing bad to say about the company, it is just such a radical change financially that I must check elsewhere to see what is out there.