Quote:
Originally Posted by Ohiogirl
I was very happy with this guy:
James Schuler
He's licensed with most companies, an independent agent, seemed to know his stuff - He's in Hernandez but I did it all on the phone and/or email, plus a written application
Phone: 352-341-3596
I went with AARP/Aetna with co-pays, $5,000 deductible, $7500 out of pocket max per year - they did not charge me extra for any pre-existing conditions - BC/BS wanted 25% more than original quote for Rosacea. Covers annual check-ups and adult immunizations, including Shingles vaccine. This is not an HSA account. Those are options also.
It is age-banded 60-64 and community (Sumter County) rated. My premium is $411/mo. There are a zillion different options for HSAs, co-pay accounts, different deductibles, etc. A friend of mine is a retired Aetna executive and she helped me understand different options - it's not that easy to understand this stuff if you are not in the business. Read the fine print and ask questions.
I chose this one because I know me - I might put off needed dr. visits if I know I will have to pay 100%. For this one, you pay $40 for family doctor visit, $50 for specialists. Counts toward deductible. Generic prescriptions have a small co-pay, if I remember correctly. Other prescriptions you pay out of pocket - goes toward your annual deductible.
Start with looking at ehealthinsurance.com to see what's out there. The quoted price is just a starting point for most of us.
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Interesting you mention that prescriptions go against your annual deductible.
If you hit the max $7,500 out of pocket then everything is paid for including your drugs if you go over?
For me I have a couple of cat scans a year so it runs into lot's of money.
I'm going to bridge to medicare with Cobra. (Cobra is expensive but probably less than I would have to pay for a similar plan as OHIOGIRL has. This way I get to retire at 63.5 yrs. so TV has to wait.