Fox,

Needless to say your health is fact number 1!!! You are correct, the market open to people 65 and over is very limited. If the numbers are doable than the plan you selected sounds great. See if there is an option will let you increase your Co-pays and/or Deductibles for a lower Premium. Depending on the increases and premium cuts it may be worth it.

Also, with Rx's are there any kinds of Caps (Annual Max's, Lifetime Max's, etc)? Heart meds are not cheap and you can eat into a $1,000 or so Annual Cap (which is not uncommon in Medicare Supplement and/or replacement Plans) very quickly. Also, see if you can get your Rx's through a Maintance Plan (usually a Mail Order option, where you can order multiple months (usually up to 90 days) for less than what 3 months would cost you at the Pharmacy. Some plans even have it through a Pharmacy. Check if Rx's have multiple Co-pays (usually 2 or 3 tiers, 1 for Brand Names, 1 for Single Source (meds with no Generic subsitute) and 1 for Generics). If yes, check with the Doc to see where your meds fit and if there is a Generic for each Rx.

Hey, 30 years of dealing Employee Benefits (Life, Health, RX, etc) has to pay off at some point!