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My wife and I assist a friend who faces a medical insurance decision. She is 74 and when 65 enrolled in an HMO for medical converage. Her HMO had two plans, one with no monthly fee and the other with a monthly fee. She choose the monthly fee plan which had smaller copays, some perscription drug coverage and a few other advantages.

Last year the perscription drug coverage was dropped and we now have been told the entire plan will be terminated at the end of the year.

Since age 65 our friend has had a stroke and currently has significant, on going medical expenses which I suspect would make her not the most desirable customer for an insurance company.

Does anyone have information about the options that might exist for our friend?

If possible, I would think getting traditional medigap insurance outside and HMO would be the best choice, but I don't know if she can switch coverages.
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