[Aces4]

Originally Posted by Blueblaze

$400/month (for two) seems a lot, just to be able to go out of network -- compared to FREE. We do a PPO Advantage plan instead. Yes, the in-network choices locally are lousy, but I haven't seen much evidence of better local options for primary care or the usual specialists. If either of us develops a disease where it matters that we hire the best in the world, our PPO gives us the option, along with an out-of-network out-of-pocket maximum, even if the doctor DOESN'T accept medicare. I figure the thousands we'll save will go towards that maximum.

But I have no idea if we've made the right choice. It seems logical, as I read the documents, but I'm no lawyer. If I have to got to Moffit or MD Anderson some day, it wouldn't shock me if they cut me off the moment I hit that maximum, and United points to some fine print legaleze that gets them off the hook.

Everybody's a crook these days, and Heathcare is the worst. It's all a crap shoot. You pay your money and you take your chances.

We personally don't "crapshook" anything and are very aware with aging, health becomes more tenuous and not better. $400. a month is $4,800. a year and do you realize one tiny little medical issue can chew that savings up and spit it out very quickly? Penny wise, pound foolish but people need to choose what makes them happy.