Get Plan F and forget the HMO's or PPO's
Both my wife and I have had it for the past ten years and it is fantastic.
You go to what ever doctor you want to including specialists and you don't have to go to primary one first.
Every thing is 100% covered, with no co-pay and there is long term hospital coverage.
Your state should list which insurers are allowed, and then they also list the annual cost of each, even though the coverage is the exact same and is set forth by the government.
When we get our bill each year we check the cost of the others, and if another is cheaper, we switch to that.
We are keeping our fingers crossed that OBAMA care doesn'r screw it up, since we never had medical insurance this good even when we were in the work force.
Jack L
