The other thing with picking a plan on the marketplace is that many are HMO’s. We went with a PPO which is very expensive because with the HMO, we would have to get referrals to see every one of our specialists.
That’s fine but we see specialists in different medical systems. The provider list would be one medical system and so we would have had to switch our primary and all of our specialist except one or two.
My husband was transitioning to Medicare in the 9th month and me a year and half later. We would have spent the whole time switching between specialties to then go on Medicare.