I am also in Empire and on Medicare. It is difficult to make a change as I am not sure where health care is headed for. I like having the PPO option and HMO's offered by zero-payment plans cpould end up being more expensive for OOP's as they limit many items. I have decied for now to stay with Empire (I only have coverage for myself at a monthly premium of $150 through my ex employer). I know many people who switched to zero payment plans but have limited coverage and several physicians will not accept some plans. I seem to hear that United has been oaky for many,but then again, it depends on our health needs. I sympathize with you in your dilemma we are all in a quandry now.
Last edited by nitestars; 11-19-2010 at 01:46 PM.
Reason: misspelled word
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