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In Hawaii, the largest insurer is HMSA and has been so for decades.
They are offering a plan called Akamai Advantage.
https://www.hmsa.com/mediacenter/pri...1_brochure.pdf
I have no idea if this is a good choice or not (or whether it is a trap of some sort), but HMSA has been a good company for a long time. We have basically had socialized medicine in Hawaii for decades, the premiums are reasonable, and the life expectancy is the longest in the US.
My relatives changed to this plan and cut their premiums by $3,000 to $5,000 each. It seems it is particularly important for people who may need skilled nursing care because that is covered, but the premium is much lower than other plans.
This seems to have something to do with Medicare, and it seems the deadline to sign up is December 31, 2010.
Even though you don't live in Hawaii, there might be comparable things happening in your state. It would at least be worth a look at your state's health care website.
I will have to schedule review of this kind of thing every November as the rules will no doubt change and then change some more.
This, together with the things I did to the house to reduce expenses, has brought my mom's expenses down by $10,000 per year with no change in standard of living. Since she is living on Social Security, this is kinda a big deal.
They are offering a plan called Akamai Advantage.
https://www.hmsa.com/mediacenter/pri...1_brochure.pdf
I have no idea if this is a good choice or not (or whether it is a trap of some sort), but HMSA has been a good company for a long time. We have basically had socialized medicine in Hawaii for decades, the premiums are reasonable, and the life expectancy is the longest in the US.
My relatives changed to this plan and cut their premiums by $3,000 to $5,000 each. It seems it is particularly important for people who may need skilled nursing care because that is covered, but the premium is much lower than other plans.
This seems to have something to do with Medicare, and it seems the deadline to sign up is December 31, 2010.
Even though you don't live in Hawaii, there might be comparable things happening in your state. It would at least be worth a look at your state's health care website.
I will have to schedule review of this kind of thing every November as the rules will no doubt change and then change some more.
This, together with the things I did to the house to reduce expenses, has brought my mom's expenses down by $10,000 per year with no change in standard of living. Since she is living on Social Security, this is kinda a big deal.