I have medicare. Comparing it to what I had when I was working its not as good. I had no copay for anything. Now I pay 25$ every time I need a Dr apt or do blood work. Depending on whats done that can go up. MRI is $175 copay. Medication is completely different. I pay something for any meds. Having said that I've never had any issues with it. I can change to any Kaiser Dr anytime I want. I can change my provider at open enrollment every year.