I'm lucky that my husband's company covers the cost of my supplement plan but I like it - BCN Advantage.

It's an HMO but we have had BCN (blue care network) for about 25 years and never had any problems with getting to see specialists, going to hospital of our choice and what they pay is great! Right now we pay $10 for any office calls and $10 for 30 day supply of meds or $20 for 90 day supply. We have no co-pay on tests and preventative care is high on their list so husband and I get a complete physical every year, colonoscopy as recommended and of course the yearly mammogram. I have blood work done every 6 weeks with no cost, this is to check for any bad effects from meds.

I have a PCP in network so that helps but I have always been happy with my PCPs in the network. I have a cardiologist, neurologist, ophthalmologist and urologist and only need a referral from my PCP to see them. She usually just writes out a referral for 1 year of care each time so I only have to call when the referral has run out. Actually my specialists usually do the call for the referral.

I have never had any problems when away from home but the need has been minor, stitches for son, stitches for husband...

I have saved many an ER visit by calling ahead to doctor and luckily can go to their office instead of ER for x-rays, stitches etc.

The only thing I have ever had to "fight" for was the drug Cymbalta but doctor kept me stocked up with them until the insurance came through after 2 steps of the process of denial.

whoa, didn't mean to go on and on. And the good thing about the insurance choice you can always change it next year during open enrollment.

The book everyone on Medicare should have got in the mail about 2009 explains each choice, their costs and what they pay.

Good luck with your choice.