That's nothing. Wait til you try negotiating the Medicare maze. I just signed up for my fourth carrier in five years. (December 7 was the deadline.) I checked every comparison chart I could find. Consumer Reports, Medicare Newswatch, Medicare itself...it's still a total crap shoot. For instance, after signing up with Amerigroup for 2016 (winner of medicarenewswatch.com's Senior Choice Award the past two years), two days later I discovered they don't contract with my gastroenterologist! So, I've got to get a routine but necessary procedure done before January 1st or I'm toast. Health care in this country is outstanding if you're a member of Congress. It should be -- we're all paying for it. But when it comes to the rest of us, good f'ing luck.