Could you please also tell what type of insurance you have, if you are discussing the new medicare plan you should see what different companies offer, Normally their co pays are not too bad on the plans I signed my mom up for ( and my dad before he passed this year)
If this is private insurance you have though your work, you may wish to look into a medical savings plan, it allows you to put money into a "savings" account to be used for medical bills, the money goes in tax free thus saving you the tax liablilty on that money
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