Some very good responses . I had some concerns about using a PPO but with the ability to switch to traditional Medicare with no penalty next year closed the deal for me . Cigna is big around here and I confirmed our hospital and my doctor accepted Cigna . Our insurance rep compared Cigna with three others so we could see the pro's and con's of each plan . My wife who is one year older is on traditional Medicare with a supplemental plan to cover what Medicare doesn't .
So I am familiar with what she pays on that plan . I am due for a colonoscopy and meeting with my doctor next month for yearly physical/blood work . Will setup the colonoscopy procedure for early next year so it will be the first test of the Cigna plan . When my wife and I first retired we were paying about $1600 per month for health insurance . When she was eligible for Medicare that monthly payment went down to $820.00 . I have one more payment due for December and I am done with that nonsense .
