Thanks again to everyone that took their time to give us good advice! Banking will be with usaa and definitely going to call Miller insurance. I did go on sites that were suggested and read and reread and feel a little less confused. Dh will be covered by medicare but I'm not eligible yet,but my dh company it letting me carry single coverage with them til I reach medicare age. So thankful! If they wouldn't do that we would of had to domicile in florida a use they have best insurance for coverage. Thanks again! I'm sure I will have more questions! Tara