A friend of mine was gone for over a week as he had undergone an operation called apendectomy all charged to the Medicare supplementhe had subscribed to. Apparently the HMO coverage at his work does have much to pay for the cost of the operation. Am not sure what my HMO coverage covers and how much is the limit, there was a manual given somewhere and I think I still have it stashed somewhere. lol I guess I can just ask our company nurse about it.