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In reply to the discussion: I was in the ER last month when I was found passed out in the shower... [View all]csziggy
(34,136 posts)Just in time for the MRI to show that I had a bad aortic valve. Then further tests while arranging to have that valve replaced showed a cancerous kidney. The two operations did not cost me a penny. The ACA BC/BS plan I'd been on had been denying the MRI for almost six months. If I'd been on that for a few years more, the bad valve would not have been diagnosed and I would have died of kidney cancer.
My husband got Plan G a few months earlier. He does not have the various health issues I do but is slightly older so we wanted (and could afford) Cadillac plans for us both.
We found out that if you buy the plans that are close to being discontinued as individuals and not part of a group (such as AARP or and organization) you are grandfathered in. As long as you pay your premiums and stay with the same company, they still provide you the same plans.