 expenses. And when you do take on a Medigap insurance policy, the likelihood that you're going to have a whole lot of out-of-pocket expenses is very minimal. I always tell people, think back to the old days when you just gave the provider or the hospital or wherever it is that you're going, when you give them the card and it's just covered, that's how Medigap plans work. It's a nice way for people to be able to