Has anyone had any problems with $0 premium

[NameAlreadyTaken]

29. I have the WellCare one

I pay $0 per month this year, but it will be $2.75 per month next year.

The medications I take have generic equivalents, so it covers them and I have not had to pay for any out of pocket. There was only one antibiotic ointment that I had to pay $5 for, for some reason.

But my doctor wanted to prescribe a medication which is still under patent. It turned out my first month would have cost me $550.

And then a similar payment each month until I reached my out of pocket maximum of $2000. So I declined that medication, but it didn't really matter in the long run. But for some patients the expensive medication may be necessary.

I would study the formulary carefully to make sure all your medications are covered and what tier they are on. The WellCare site has a chat feature where you can ask directly what a particular medication would cost on your plan. That will give you the true picture of your costs.

The only annoying thing about WellCare is that they called me a lot and sent me a lot of texts snd email messages asking about my medications.