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MineralMan

(151,249 posts)
3. Yes. My wife has been doing her homework in
Fri Nov 15, 2013, 01:51 PM
Nov 2013

selecting a plan. The MNSure site is very good at presenting information on each plan, and there's a lookup system for checking your providers to be sure they're included.

The only thing she didn't care for so much was their network hospital, but only because it's not the closest one to our home. It's a fine hospital, though, and just a few minutes farther away.

It's also important for people to look at the numbers when figuring out deductibles, out of pocket maximums, and copays, etc. Doing a complete comparison of plans takes time and some work. In that sense, it's a difficult situation for some people, who may have issues in figuring out what their health care costs and risks may be over a year. For my wife, it's fairly simple, really.

Since I'm on Medicare and have a supplemental policy that I like, none of this is an issue for me. My total cost is about $225 per month, including the Part B deduction from my SS payment and the cost of the supplemental policy. Between the two, I have no deductible and no copays for almost everything, and my prescription costs are quite low, so it's a great plan for me. If I wanted to spend a little more, I could add a Part D coverage plan, but all of my prescriptions are generics, and I also qualify for prescription coverage through the VA, so I pass on the Part D.

Still, it's like we got a $500/month increase in our income, this is.

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