I’m glad your plan is working for you.
The only premium I have is for Medicare. I am 70 years old and disabled so I qualify for the whole enchilada.
Social security charges me about $165.00 a month. It comes off my direct deposit check. I don’t feel it. It’s for Medicare. I also qualify 100% for Medicaid ( now called Healthsource)
I don’t pay copays. I don’t pay for deductibles and the rest is covered by original Medicare. Medicaid pays for all my dental work as well. Including dentures when I am ready for them. Vision is paid every year and includes eyeglasses. I have hearing aids every 2 years and eye exams. All my doctors, including specialists are 100% covered. Non emergency transportation for doctors or clinics is free and unlimited I won’t name all my specialists because I have many. All hospitals and clinics covered. I don’t know what else to say other than I have not paid for healthcare for over 10 years since becoming disabled.
I’m assuming that you pay a monthly premium which varies depending on the plan you’re on. I belong to Neighborhood Health Integrity , they have a contract with Medicare and Medicaid and “extra help “ for OTC med and sometimes used for prescription meds.
Many advantage or supplement providers don’t cover pre-existing conditions. Mine are covered.
Your plan probably charges a high premium but lower deductibles or copays or both. Your other choice probably includes lower premiums but high deductibles and/ or copays.
I did notice that BCBS is a pretty good plan but I haven’t researched the specifics. See, I pay nothing because the government carries me. Advantage plans not so. I went to UNITED HEALTH for 1 month and it was a nightmare because they didn’t provide Medicaid so I had to get a Medicaid card. I lasted 1 month because they are to big for me. They are worldwide. I went back to Neighborhood health because they are smaller though they have millions of users. It’s local. UHC once told me that my dentist was out of network so I have to pay out of pocket. I checked my benefits insurance catalog and there she was. In-network. Had to call UHC and ended up with some kid from Kansas who told me I could appeal it. I’m not appealing anything. “You get it right the first time “ and I never heard from them again. So everybody ‘s needs are different. What works for you may not work for me.
All healthcare should be provided for by our government. Many other countries provide healthcare. Sometimes through government taxes or Free healthcare. We are basically the richest country in the world and healthcare is up to you to pay for and that creates a lot of corruption. UHC was fined millions of dollars for submitting false Medicare procedures that were not done. One of our congressman owned a for profit Medicare sucking millions of false Medicare claims for personal gain.
He still owns that company and was elected to Congress where he is pushing for private advantage plans for Americans. Convenient for him!