Bill:  I have Medicare... UnitedHealthCare is my provider on an "advantage" plan.  They provide the care, including drug benefits, with no extra cost to me...period.  The basic cost plus the deduction for medicare from my SS is enough that they are willing to provide the services.  It's working out well for me.  I don't know how old you are, but it's certainly possible you're receiving the same kind of coverage I have.....yet, you are publicly calling it a "failed system."  Do you recognize the irony of your post?  Gary Crum