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MrsJoe 76F
17308 posts
2/11/2019 1:26 pm

Hank, the answers are as varied as there are folks! I think a lot depends on what a person can afford.
Right now, Joe and I both have Medicare A & B, plus we have the full coverage insurance with his retirement, for which we pay a hefty premium. We probably have more insurance than we really need, but except for a bit of medication copay, we don't even see a doctor or hospital bill. The Cigna insurance pays the Medicare copays and even some things that Medicare doesn't.
I was going to research this subject myself, but by the time I might be alone (I won't be able to afford this insurance without Joe) everything will have changed, so it wouldn't do me any good to check into it now.


Be a prism, spreading God's light and love, not a mirror reflecting the world's hatred.


MrsJoe 76F
17308 posts
2/11/2019 3:44 pm

    Quoting  :

It's like most big insurance companies, there are many "plans". I don't know about any other variation, just the one we have and it is good for us. I do know that we have two options with Joe's retirement.... Blue Cross or Cigna. We had the Blue Cross for years, but their premiums continued to climb and since we both had Medicare as the primary, it made sense to us to switch to the Cigna which had lower premiums for us.

Be a prism, spreading God's light and love, not a mirror reflecting the world's hatred.