[Floridagal]

I met with an AARP MedicareComplete Choice Plan 2 agent today. I have an AARP supplement and a separate drug plan. I have these plans 4 years and my husband and I have been very happy. We do not like HMO's so we have not looked into Preferred Care or Freedom Care. After going over everything with this agent, whom I think did an excellent job in explaining everything, even telling us right up front that we have one of the best plans, we did some serious talking and decided to go with the Advantage Plan as we both are pretty healthy and we will be saving a little under $5200 a year total for both our payments and drugs for the year. He did explain that if were not happy with this plan we can opt out anytime during the first year and go back to what we had but at a slightly higher cost and go into a drug plan. With that in mind we will be signing up for the new plan. Unless we really get sick (and I pray we wouldn't) I don't even think we will meet the annual out of pocket maximum of $5,900 each for the year. All our drugs are in the plan, either Tier 1 or 2 and all our doctors but two and I don't feel finding a new one will be a problem. My main concern was that my primary doctor be on the list and he was on their list, and I think he is the best and have been using him almost 7 years. One other doctor that my husband thinks is wonderful is also on the list.

But the bottom line is, you go with what you feel comfortable with.