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[quote=Anonymous]I had an individual policy with Carefirst Blue Cross Blue Shield for many years. The medical coverage at the time was reasonably priced, if you opt to higher deductible plan, the premium goes down significantly.  Be careful though about high deductible plans because there was something about either not being able to or very difficult to switch to a lower deductible plan at a later time so I limited the deductible for $1,000.  The medical coverage was great but the prescription coverage was very limited. fortunately, I did not have a medical condition that required expensive medications and when I needed a prescription, I would ask for a generic medication if available. There's a wide range of prices for generic drugs. for example, one generic medication for hypertension could be $4/month while another generic is $75/month. My primary care doctor rarely prescribes/gives out samples of expensive brand names. He usually uses generic drugs so that wasn't an issue. 
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When I shopped around for an individual policy, Carefirst and Kaiser seemed like the only two companies that offered individual policies in the D.C. area. I decided to go with CareFirst since most of the health care providers and specialists  are in network for Carefirst and did not want to limit my options by going with Kaiser.[/quote]

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