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<blockquote data-quote="Davy Crockett" data-source="post: 447829" data-attributes="member: 367">We had BCBS federal plan and they paid really well up until we got old enough for medicare, then things went south because when the bill comes medicare pays first and insurance pays second.&nbsp; &nbsp; (For you young guys, be aware of that.)&nbsp;&nbsp; &nbsp;FF to last year, when I read the upcoming changes to our old policy I started shopping because prices were going up and coverage was going down so we went with nextblue.&nbsp;&nbsp; The premium was $345 a month less with better prescription coverage and a higher deductible so it made sense. &nbsp;I don't know what to expect for sure on hospital stay,&nbsp; if medicare pays much or not but my maximum out of pocket is supposed to be $ 4500 .&nbsp; I'll know soon enough because I wiped out on the ice and spent 5 days in the hospital with fractured ribs.&nbsp; The paperwork hasn't been processed yet.&nbsp; I expect I'll pay the Maximum out-of-pocket $ 4500/year.&nbsp;&nbsp; Almost a wash since we save $ 4140/year in premiums.</blockquote>

[QUOTE="Davy Crockett, post: 447829, member: 367"] We had BCBS federal plan and they paid really well up until we got old enough for medicare, then things went south because when the bill comes medicare pays first and insurance pays second. (For you young guys, be aware of that.) FF to last year, when I read the upcoming changes to our old policy I started shopping because prices were going up and coverage was going down so we went with nextblue. The premium was $345 a month less with better prescription coverage and a higher deductible so it made sense. I don't know what to expect for sure on hospital stay, if medicare pays much or not but my maximum out of pocket is supposed to be $ 4500 . I'll know soon enough because I wiped out on the ice and spent 5 days in the hospital with fractured ribs. The paperwork hasn't been processed yet. I expect I'll pay the Maximum out-of-pocket $ 4500/year. Almost a wash since we save $ 4140/year in premiums. [/QUOTE]

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