ok, I'm probably overthinking this and probably because it's not my money/my healthcare!
BlueCross/BlueShield has 2 medicare advantage plans to choose from. Here are the highlights:
Plan 1 cost $40/mo.
Annual out of pocket max $6700
Dr. visit copay $10, specialist $45
Drug coverage same
Hospital stay: $360 per day, days 1-5
Plan 2 cost $131/mo
Annual out of pocket max $3900
Dr. visit copay $10, specialisit $35
Drugs coverage same
Hospital stay $275 per day, days 1-5
The main difference seems to be the premium cost and out of pocket max. I'm kind of leaning towards Plan 1 at least for this first year or two. She's healthy, rarely goes to the doctor. If she did end up with something major and/or in the hospital the annual max difference is easily covered by her out of pocket. The dollar difference in max out of pocket and a 5 day hospital stay is a total of $3225. At the $91/mo difference in premiums, she's making that $3225 out of pocket cost up in the next few years. Granted, that's if she had no major medical in the next 2-3 years of premium payments.
If she wasn't healthy and saw a doctor for a chronic condition(s) I'd say go with plan 2, but since she is healthy and very well may stay that way, for at least the next 2-3 years, might was well go with the lower premiums and take a chance on the out of pocket cost. Like I said, a few thousand dollars, if by chance she had to pay it out, is really not much of an expense for her.
I did call her Wednesday after lunch and told her I got it all figured out and that we'll switch her to a BCBS plan. I didn't go into any other detail about the different plans offered and that seemed to work best and she was happy to hear it's figured out.
On a good note, a couple hours after I had called my mom to tell her I figured out the insurance and she will be able to switch to a plan that works here, she called me up. She said she just wanted to tell me thank you again and how happy she is that she will be moving close to me soon and how happy she is that I want her to move by me. So sweet :)