Originally Posted by
pjohns
Roughly 99 percent of the time, I thoroughly agree with you. On this particular point, however, I will have to demur.
I have Federal Blue Cross/Blue Shield healthcare insurance--my late wife (who had worked at the VA) left it to me--and it is simply superb: It first knocks down the "Submitted Charges" to the "Plan Allowance" (which is often just a fraction of the former); then it pays 85 percent of the Plan Allowance; and it actually pays 100 percent toward hospitalization. (Doctors' charges are separate, of course).
Perhaps most importantly, it carries a $1,000 per year annual cap, for an individual. (I have since remarried; but my wife is not on my plan, as it is an annuity, and therefore I cannot put anyone else on it. She has Medicare, plus a Medigap plan.)