We were in a similar situation. I'm 61 and previously in Maryland I had insurance with Carefirst but it kept going up every year and I kept raising my deductible. Since the rates were up to $250 a month and I had served 3 years in the Army I applied to the VA last December in Maryland. Within 3 days I was notified I was accepted. I didn't have a disability or was retired but was accepted under low income. My wife is a little older and had Medicare plus Medigap with Carefirst.
We closed on our villa in TV on July 5th and I went down the following week to the new VA Clinic in TV and requested my care be transferred here. I had orientation two weeks ago and my first doctor visit was last Monday and my doctor has already scheduled me for a stress EKG next month since I had a stent in 2007. So if you haven't moved yet, apply to the VA where you live.
My wife switched to United Health, which is the plan offered by AARP, we went to Villages Insurance and she applied there. The medical agent is located at the Lake Sumter branch, so apply there and not at Spanish Springs. Here coverage is the same as she had in Maryland with Carefirst but minus the dental. She pays $171 a month for her Medigap and it comes right out of checking.
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