[2BNTV]

I have the BC/BS Florida Blue HMO Plan. It is a medical advantage plan that covers prescriptions. My pan requires referrals for my PCP to see specialists and the process is a painful. Customer service at FL Blue leaves a lot to be desired, in terms of dispensing accurate information. IMHO

It is geared towards healthy people who don't think they will need to be hospitalized, periodically. It also contains a prescription program that pays almost all of my prescriptions, that I need to take.

If one has a condition that needs periodic hospital care then Medicare with prescription coverage plus a supplement is the way to go, if one wants total peace of mind, and no out of pocket expenses. A more expensive option in premiums.

One needs to decide what plan, best suits their medical needs. I would also be concerned about finding a good PCP, as that makes a big difference in the care you receive.