OH48Lt wrote:
Talk with a certified advisor that works with multiple companies. He/she will make recommendations based on your particular needs. They do not charge for this service, they get paid by the insurer.
This is what we did for my husband. She printed out a list of starting with the lowest cost one, which happened to be Cigna in our area. We went with it & Plan G that you pay the deductible for annual Dr. apps. She did tell us that we will not be able to ever change to plan F later if we want to. Also, annually he may not be able to change companies just to get lower premiums due to the fact of his health problems & a change would have to be approved by the new company's underwriters...Might or might not happen.