"if you present plan changes in any way, even if present change by $1, you are then eligible to changes plan without qualifying, therefore I don't see this as an obstacle to going with a lesser plan in the beginning. Doesn't every plan change at least in some form of coverage if not every year at least every two years?" Two points. A Medigap provider cannot, by law, change the extent of the year-to-year coverage of any of the plans it offers because the various plans and the benefit levels they contain are established by Medicare, not by the insurers. That is, the Plan F offered by all insurers must include the exact Plan F benefits Medicare has established, and the same is true for all the other Medigap Plans. Second, I don't think a change in premium cost, alone, would excuse you from the underwriting requirement if you decide to drop a lower benefit plan and instead buy a higher one. However, if the insurer decided not to continue offering that level plan in your state, that would excuse you from underwriting, as would also be the case if the insurer went out of business. But I agree with you that it's wise to run the numbers and buy the plan that makes the best financial sense for you. People who are in good health and have the financial resources to absorb increased health costs in the future should their health worsen, would often be better off saving money now by choosing a lower benefit plan. Being overinsured usually doesn't make financial sense, but a lot of people do it because it gives them peace of mind, which is nice, but be aware that it does come at a cost.

I get mine from express scripts and pay 9.00 for a 3 month supply.I was totally surprised last month when they sent my refill for Femara,and it was free.Seems it went generic,so no charge.That's ok with me,i'll take free any day. Some of our meds we fill on the base,so no charge,but others they don't carry so it's express scripts or cvs. I really feel sorry for those that have high co-pays.I was at the oncologists one day and this older lady in front of me came in for her treatments and her co-pay was 277.00,i almost dropped my teeth:) I pay nothing for that either.Thank God DH was career military. kathi

$19.00 and now you have to pay $44.00? Be thankful you even have insurance of whatEVER sort. DH did a print out the other day of what our insurance covered for us last year, AFTER our $5,000.00 deductible. $188,285.97. I'm not real good with numbers but that seems pretty close to 200 grand. That's more than my house is worth. Hopefully, this year won't include a stroke, a flight for life and some cancer surgery. I detest insurance companies on a whole (no offense intended to anyone) but, without that, you'd be paying my welfare, food stamps, housing, etc. All you may hear about Canada's "free" health care....check out their taxes and cost of living. By the time you get to see a doctor, your sore throat will either be gone or you're in stage 4 of cancer. Just sayin'.

Results: We did not get to have her with us Sunday overnight as part of our EOW. We did however get: The right to take her to the dr. or dentist The right to hard copies of the medical/dental/vision cards when BM take health insurance back in Feb (her open enrollment) BM covers ins. as well as 1st $250 in expenses. Everything else split 50/50. BM has to give 24 hours notice before taking her to any dr.'s and provide us with written results. They are now required to comminicate in writing. BM has to reimburse for past 4 months of medical expenses we paid out. We got extra time in the summer. We did not have to pay her legal fees. We still would have liked to only be responsible for dental/vision and not medical as he never agrees on the crazy tests she takes this child for without cause or symptoms. But I guess if we don't agree then we won't pay and she can take us to court and explain to the judge why she's taking a kid with NO symptoms to the allergist and subjecting her to tests and lying to the Dr. about the symptoms.