[Avista]

Originally Posted by alwann

As another mentioned, the key is your state of health. There is a risk factor.

I've had Advantage for a couple of years All was good. No premiums. Low co-pays to visit the primary doc and Rx. This year, spouse and I both needed surgeries. 20% upfront co-pays for surgeons and hospital can eat a hole in your pocket really fast. With Supplemental, the out-of-pocket costs for co-pays would have been minimal or nothing.

So, it's really a choice between pay it forward or pay it when it happens.

What we did when we went on Villages Health was to,put away each month the amount of money we were paying for supplemental and pharmacy program. For two,of us this was about $$320/ month. In case of unexpected medical needs the most we could be charged is $4500. We have never come near this but keep $4500 in the money we have put away in the event we need it.