My wife and I talked to United and the rep of TVH yesterday and it's definite about the change at the first of the year. I'm a retired Federal employee and we have the FEP BCBS. I'm 68 and my wife is 63 so it'll be a year from Feb before we can cancel the BCBS and get the United Advantage plan so my wife can retain her coverage. I've decided to simply go a little over a year without seeing my doctor. I asked and was told that I'd be accepted back after that year. I'll still have coverage through BCBS is I need something. I'll just go to one of the little emergency clinics or the hospital.
And, btw..., the basic United plan has no monthly premiums and the yearly max is $4800. My part of our BCBS is $4200 a year. We're both in excellent health and the copay and deductibles would have only been a couple of hundred dollars, at the most, the past ten years if we'd been on the United plan all along so, for us, it'll save thousands.
If you're interested, the United Rep we talked to was extremely helpful. She is Deborah Pecoraro. He number is 407-341-4214. I'd suggest talking to her, or one of the other reps, before making a final decision. Honeslty, we went in thinking we'd be leaving TVH and now we're not going to.
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