Looking for some input from people who have experience with either, or both. I've tried to keep up with all the information I can find on them and I'm wondering if anyone can tell me what the big difference is between the two if you currently have either, and/or have switched in the past few years from one to the other, and if so, why? I ask because recently I've spoken to a number of Expats (in the PC area) who have advised they've switched from Humano to Universal. Is this a cost-based reason, or type of coverage, access to doctors/hospitals in the PC area? Just wondering because I asked and the answer seems to somewhere along the lines of "it's a better plan for what we need". Very vague.
We are currently 63 and 62. I know that premiums go up significantly if you don't purchase before age 65, if you can even find a plan then. We do plan to purchase a plan prior to then.
These are some of the questions my husband has been trying to get more information on: On the premiums being "significantly" higher if purchased after 65, what does "significantly" mean - hundreds of dollars a month, double the rates, etc. Does enrollment after age 65, if you can even purchase one of the two, require a different set of requirements, and, if we purchase one over the other prior to turning 65, once you reach 65 do the yearly premiums jump to a much higher rate? (if so, approx how much), Is there a difference in the variety of doctors available within either of those networks? Do the hospitals in the area accept both (and I would like some input from those in the PC area on which hospital they think is best as far as care, cleanliness, etc).
And as far as dental - do you have coverage or is it out-of-pocket?
Thank you....... Colleen