I am widowed and thus lost my health insurance when my husband died. I am on several expensive medications and have been looking for a plan that would give me good RX coverage. Somehow I wandered onto the Consumer Health Benefit Association. I understood this wasn't "insurance" but there are plans available that do get you a substantially lower price than if you go it alone. Well CHBA, or Three Rivers as I was told to tell providers if they didn't recognize my benefit card info, costs $129 joining fee along with paying the... read full review »