I was offered a $35 month to month dental that can be cancelled after expensive work is done at any time and then started up again. So I pay no monthly premium for drugs and $35 for dental. Period.
I pay $15 to see my doctor, and $50 for specialists, and these were the doctors I saw before getting this, so I have not lost my regular doctors. There is no deductible, the only thing that is capped is the number of visits for some of my doctors, some 6 times or 12 times a year for routine care.
My prescription costs range from $3 for generics to $10 for brand name, which drops back to $3 if the doctor insists on brand name as a necessity. I am going to transfer all my regular prescriptions to their mail program for which I will get instead of 30 days for $3, I will get 90 days for $3. It will arrive in the mail and I do not have to take time or use gas to get it. There is no charge for them sending it to me by mail.
I do not qualify for Medicaid. This is from straight Medicare. Any lab or special work is also kept within bounds by the Medicare rules and I am getting free coverage once a year for wellness checks and conditions that are chronic.
My start up with my doctor and getting the wellness lab and check over was well over $600 but all but $49 was paid for by Medicare or was written off.
I also did not use a website, as I am not good at that and checked with all my doctors in person to see what plans paid them. A friend and I drove to one of the October sign up meetings where the company I picked then answered my questions and kept me within my budget.
I insisted that I could not pay more than what I was already paying for Parts A and B. Other than the dental, there is no charge, and I can drop the dental. Eye care is included with the plan, as well as hearing aids.
Then their agent at the meeting and at my home, went through their system and found that all my doctors, my dentist, my chiropractor, my podiatrist and the area with the doctor clinics I wanted to go to were covered.
I asked them to come out to my home and they did with my friend there to witness what I was signing on for. They gave me 90 days to back out of it.
They also have a plan to help those at home if needed even though I do not have home care insurance or long-term care. I do not qualify for Medicaid that covers that, eye glasses and dental.
But I also live in a blue state and our governor ran on implementing the ACA. It increased revenue for the doctors, hospitals and clinics as it is funded by the ACA and not affected by capricious rightwing legislators which had made our state's Medicaid program hard to get help from.
Many people are getting healthcare that had none before, and others are getting more care that they didn't have before.
Although as I said I do not qualify for the ACA Medicaid expansion, I am glad to see that those who had no coverage now get it and will be healthier. My health is getting better, too.
I bet you can get the same thing I did. Good luck getting what you need.
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