Yes, the application process can get done in 45 days with no problems (assuming you have a clean medical history).
We decided to go with Humana because of its relatively large coverage territory (we're travelers and want access to in-network doctors in as many states as possible). And also they had a much better prescription drug benefit than the BCBS policy we were also considering.
We thankfully don't use much in the way of medical care, so I don't have any complaints with Humana. Our relationship has been mostly one way . . . we send a check and they cash it.
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Retired early, traveling perpetually.
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