I hate to complain, but...

[dreamshark]

 Both Richard and I have Medicare Advantage coverage from Health Partners (Freedom Vital). It's a very comprehensive HMO-style plan that only costs $64/month per person, and we've been very happy with it. Co-pays are about what we were used to with the old corporate-provided insurance plan: $15 to see a regular doctor, $40 for specialist, etc. 

We've both been to the doctor in 2017, and for some reason the Park Nicollet system is no longer requesting a co-pay when we check in. I hate to call Health Partners to complain, but it makes me a little nervous.