Whats the cheapest HMO for seniors?

My elderly Uncle has asked me to find him an HMO.He still works but has pre-existing conditions.He needs help w/ the mounting medical costs.What can I do? There is no Kaiser in NY where he is.

How old is he? You will want to look into Medicare and sit down with someone from your local CMS office to go over deductibles, co-pays, premiums etc. If he has pre-existing conditions, you will want a PPO, it may be less expensive in the long run and he won't have to see a "gatekeeper" every time he needs to see a specialist. I highly recommend getting the book "Healthcare for Less" by Michelle Katz. I purchased a copy at my local Barnes and Nobles after seeing her on NECN talking about ways you can save money in healthcare that people do not even know about. I needed to find an insurance that was good for me, and the book guided me through this process by providing websites, simple definitions and even questions you would not even think about asking, but should. I chose an HSA because I was sick of throwing money out the window because I am a healthy individual. This plan works like an IRA/trust. The book has a lot of other great information like how to chose the right doctor, government programs and a simple diagram on Medicare Part D as well a chart on the preventative tests you should be taking at certain ages. Also, go to www.amazon.com. I found the book is about $10 and the reviews are great! I am actually getting a book as a gift for my mother and a friend of mine for their birthdays this weekend since they are confused about our system and this will really help them. I hope that helps!

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