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Diane: Our monthly insurance cost just went from $135 to $280 and when I get to Medicare it will go up to $461. Also we now have huge deductibles with BC/BS of $250/$1500 per person.

I know that PacificCare was an HMO but it included Palo Alto Medical Foundation and UCSF so we were comfortable. To get them as an Advantage Plan it drops all our local hospitals and doctors and we have to drive a couple of towns away and they have very few specialists so that wasn't an option.

Others have already pointed out that your husband's employer was paying most of te freight for your insurance, now it doesn't, and you get a not-so-nice surprise.

Your profile doesn't say where you live, but Pacificare suggests at least West Coast. (I calls it Best Coast.) Just for another point of reference, I have medicare with Health Net, also an HMO. Cost: $0.00 per month. Small co-pay for physician and for drugs. I think this option may be limited to L.A. county.

My child-bride gets to pay $199 a month for Blue cross with a $3500 deductible.

Maybe it's time for you both to shop around?

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