We're in the same boat NYers - 72 & 66 with Medicare C Plan though employer (larger ASO group). Have some pre existing conditions that are managing well - our 2 2022 cruises purchased through cruise line (NCL) their premium plans, was also looking into annual plans as we do plan on a few more cruises this year- just booked one for March 2023. Any suggestions as we've hit the same walls as a NYer- would like CFAR as well as medical - especially transport - that's what scares me the most. And can you carry more than one policy- or different policies? I think I've read enough that I know less now then I did before. TIA