I may be wrong, but the ONLY plan that was,nt affected by any changes, was the plan I've had since day one "MO 1"
(more commonly refered to , as the indemnity plan. The old "80/20" plan It's the ONLY plan that you don't have to select a primary care doc., which means "NO GATEKEEPER"!
Over the years, AA has mailed out to us a ton of BS, telling us how much more expensive it would be to use it, as opposed to "PPO", or (GOD forbid), a HMO.
Ever notice that 80/20 is the only plan for retirees.
80/20, was for a long time, the ONLY plan APA would allow.
I realize the "co-pays" are more with 80/20, and it does'nt cover routine check ups,(Which anybody with kids knows can be expensive). That how the "piece of SH*T" HMO's, got their foot in the door.
In this house,(mine) we spend approx. $400 a month for Rx's,(which I pay UP FRONT), and then get reimbursed, in about 3 weeks.
It's a pain "in the AS*",
It gives me TOTAL control. If I want to go to ANY of the USA best hospital(Mass. general-BOS, Sloan Kettering-NYC, Johns Hopkins-BWI, or the MAYO Clinic-RST) (just to name a few),I call up, make an appointment, and GO. I'll be damned, if I'll "kiss the AS*" of some required primary care-GATEKEEPER, who might wind up playing "bean counter, before doctor" !!!!!!!!!
AA --(Arrogance & Attitude)
Sorry to hear of your wife's medical condition !!!