If a FT union member retires prior to 65 (medicare age) in Central States, he pays $200 a month for the member and $200 a month for the spouse. There is a $200,000 cap, for member and for spouse (for life), on this policy meaning if you are hospitalized for a serious issue and burn through $200,000 then you are out of luck. Is there anyone here that retired prior to 65 and purchased supplemental health insurance to cover them for incidents that exceed $200,000 and, if so, what company did you use and what were the premiums? Serious answers only please. Thanks.