It really depends on your actual needs especially if you have a pre-existing condition.
My wife is taking a blood pressure medicine that is just not approved by lots of plans available in our locale. She's tried several other meds but they just don't work. She's on the AARP HMO Advantage plan (and the med she needs is approved) and her most important specialist is on the plan. She sees 5 different specialists and they are all fine with her and she is a little bit picky...
Last month when she was in NY waiting for #1 grandson to be born, she had her monthly injection in NY. AARP made it easy and she didn't pay a thing. (yet, I think I'll check that right now) adios!
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