Another Choice - Feb in Cozumel or Roatan

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If the OP is on Medicare, they know they're not covered overseas.
Thus the question as to whether they know for a fact or "know" based on assumptions of common knowledge.
 
Roatan
MOSQUITO HELL
Reefs are wonderful
Diving is easy
Travel is longer
It would be nice to experience somewhere new
Poor country, resorts are somewhat isolated, not much else to see, not entirely safe outside of the resorts.
Worth the trip at least once just to see.
"You don't know unless you go."
Personally I won't ever go back to Roatan again, too many other great places to dive.
I try not to dive in the same place more than once, but Little Cayman and Coz are my two exceptions.
 

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