Chatty, you've mentioned this before. I'm assuming by "full insurance coverage" you mean Medicare. Medicare "A" is the only part that's free and it only covers hospitalization. Over here, we still have to have another insurance plan or one of the other Medicare plans to pay for doctors visits, tests, meds,et. Are the Medicare laws different in Nevada? My husband has Med A but it certainly isn't enough. I now carry him on my insurance plan and it's very costly for a family plan, which is what I have to have.