When we were in WY, our costs, through Rog's employment, went up so much it was more than our rent. It made me mad and I said to take me off of it, which we did. We paid for all of my expenses. Still noen when we moved to Colorado until his company was sold to a BIG corp. They offered several different plans, still do, the choices being between how much deductible, co-pay, etc. We opted in as soon as it was available, one month after I'd been in hospital for life-threatening chf. The new insurance company has been really good...no problems re' pre-existing and they paid out over $250,000 for all of my pre-surgery and surgery costs when they put in a new heart valve. We have to pay too much as far as I am concerned, but they don't argue about paying, as long as the provider is in their network.

I do get concerned when I think of what is offered for retirees. My sister told me where she lives if you are on government insurance for seniors you will not get to see a physician, you will see a physician's assistant. THAT would bother me. Two PAs I saw last fall missed the pneumonia which landed me in the ER when my doc was out of town.

Sorry, didn't mean to digress. It looked as though you've already had your question answered and it feels good to *vent/share*.:-)