I have a PCP thru Kelsey Advantage Plan, Medicare. I don't have a supplement policy for BH or myself. This saves $600 per month. I had a bad year during 2019, skin cancer on chest, surgery in throat from outside after three attempts going down the throat didn't work and a new pacemaker. My cost for the three issues, $200, $300 and $200 or $700 total. PCP visit doesn't have a copay and specialist $35. I see a specialist two or less times per year. Kelsey is the only 5 star advantage plan in Texas but they only take patience from the few counties in and around Houston. I don't pay extra for the Advantage plan and it, like most Advantage plans, includes things like drug plan, membership in YMCA, eye doctor visit once per year and transportation to and from doctor's office if needed and a few others. Total out of pocket for the year $3,000. I have never had better health care or cheaper meds, if thru Kelsey, $7.50 for 90 day supply.
The down side is that you only get emergency care if you are out of the coverage area. Many who travel most of the time don't like that. I spend 4 months during the summer in the UP of MI and last year my neighbor had a heart attack there and they took him to a hospital about 35 miles away, he has an Advantage Plan from South Florida with emergency care only if out of area and they keep him over night and then sent him down state because they said that they couldn't do any more for him? They keep him for two days down state and then released him. He had bypass surgery in South Florida during the winter. He told me that he was pleased with the health care he received when out of his Advantage plan area.
I am interested in what others think regarding this issue and what else I could be missing? I have done this for more then three years. $600 dollars per month for the two of us would be $7,200 per year thru United Healthcare AARP. Even if both of us maxed out the out of pocket for the year it would only be $6,000.