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12/28/2006 11:44 am |
When I signed up, last year....(since I do take a lot of prescription drugs and many VERY expensive)....I chose the plan that covered 100% of all prescribed drugs. Not to find myself out in the cold. Also in comparing....I saw that the ones that required -0- deductible, gave very little help...and it also had a cap. So I studied it all for a long time, did some calculations, with the deductibles in mind and finally chose one that I paid for, but in the long run, has covered EVERY prescription I needed. I have elected NOT to choose a secondary INS. as I didn't want to have a HMO...wanted the freedom to have my own choices in Dr's. I am also happy with this choice. Sometimes the two coverages, fight with each other and the paperwork can drive you crazy. I eliminate all that. Now, in FL, they said if you didn't make a choice...they would make it for you. In your case, not taking prescription drugs, I would have taken the least, the one that was for free with no co-pays. For those that are low income, they will get help, accordingly. I got help. Also, with the fact that you travel, if you have your meds "mailed" it is also cheaper and it will cover the fact that you travel. I don't know if from state to state it is different, but I studied it, made my choices and I've been very satisfied. Only this year, they have raised what I have to pay each month for it and it looks like the raise is "more" than the annual increase that SS gives you. Woe...is "us"...  Happy New Year Zantoo!
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12/28/2006 12:02 pm |
I get great insurance with my teacher's retirement and don't qualify for Medicare - thank goodness
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