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Originally Posted by SusanStCatherine
Most people I know keep their employer plans and often keep them into their Medicare supplement plans. We did not have an employer plan available to us, so we use the ACA Healthcare exchange where you cannot be denied coverage. We are full-time Florida residents so we use Healthcare.gov site. It's the only place you can get an ACA plan and be considered for subsidies. If you are another state's resident, it may be different and the plans may not be accepted around here. We selected one of the least expensive Florida Blue Select Bronze plans. The premium per person on this plan for ages in the The low sixties is approx $900 per month per person. There is very little choice besides Florida Blue - there is Ambetter and there might be another plan like Kaiser strict HMO.
I have found that the Florida Blue Select plan is not accepted around here. I have not found one place that accepts it. It apparently pays providers less than other Florida Blue plans. But we are pretty healthy and self pay for our office visits since our deductible is extremely high like $6K. It helps a little with Rx and bloodwork.
Changes occur regularly like income limits, subsidies, etc so be careful.
Good luck!
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Florida blue select is accepted almost everywhere here. I have The Villages Health for my regular doctor and audiologist, and the specialists for my skin cancer, my colonoscopy, and whatever else, are all /not/ TVH and they all participate with FloridaBlue Select PPO.
They're not all participating providers with the HMO, but the PPO provider list is pretty vast and diverse.
The one I have is also a bronze plan. I'm paying around $150/month just for me now that hubby is on medicare. I have a $9700 out of pocket max, and 0 deductible. I have to pay $85 every time I go to a specialist's office or need lab work other than my yearly CBCs and thyroid panel, and if I need my doctor for anything other than a yearly checkup.
So far I've paid around $2000 since January 1 for skin cancer treatments and surgery. The good news, is that if I get my hip replacement this year, I'll only have to pay $7000 out of pocket for the whole shebang, which normally costs $25,000 for people who have no insurance.