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Originally Posted by champion6
Thanks for all the advice and comments. i really appreciate them. I'm surprised that no one had any response to these questions:
What insurance carrier do you have until you enroll in Medicare?
What are your deductible/coverage and the premium?
What do you like about your carrier?
Do you have any experience with a carrier to stay away from and why?
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I am not much help either as I will be in the same boat from 2013-2017 covered under my husband untill he turns 65 then I can continue under that cobra plan or switch.
The out of network thing is a pain but I have done it before when we were on temp assignment in Gerogia mostly paperwork hassel unless you're current policy charges a big out of network and includes areas that they don't cover. Our out of network higher cost did not include areas were they were not set up and no participating provider was available. Every policy is different.
To make the research more confusing there is the new health care laws that come into play over the next few years.
http://www.aarp.org/health/health-care-reform/ has an overview. But I have been reading that some plans currently available will no longer be soon and that all will change drastically as the full effect comes to bear.
Not much help
Trudy