My monthly premium, even with additional services riders, is approximately 2/3's the cost of my premiums as a U.S. Federal government retiree. I have an annual deductible, but no copays for professional visits, medications, and/or diagnostics. Overall, my cost of care is approximately 1/2 of what it was in the U.S. I recently had a total knee replacement with all the pre-care, surgery and 4-day hospital stay, and post-surgical rehab covered through my insurance premium--no extra costs!