Re: Health Insurance at 62
[Re: andrews1958]
#6988124
09/11/20 03:35 PM
09/11/20 03:35 PM
|
Joined: Dec 2006
Posts: 8,837 Magna, Utah
GritGuy
trapper
|
trapper
Joined: Dec 2006
Posts: 8,837
Magna, Utah
|
Been thru this exact thing, I was on my wife's insurance before I was old enough for MC, so was not a problem, you might check into that and see how that is for you if she is working.
Most any other insurance is going to be a real headache price wise due to age, we actually planned this out a few years before I was able to take my SS and MC , still on it for dental on her insurance, until they kick me off, cause vision and dental you have to pay extra for in MC
Only other thing is be very careful until you MC kicks in !!
Sorry if my opinions or replies offend you, they are not meant to !
|
|
|
Re: Health Insurance at 62
[Re: andrews1958]
#6988183
09/11/20 05:10 PM
09/11/20 05:10 PM
|
Joined: Dec 2006
Posts: 3,472 Northern Ohio ...
Sullivan K
"Keith"
|
"Keith"
Joined: Dec 2006
Posts: 3,472
Northern Ohio ...
|
I quit working when I was 61 and 1/2. I used C.O.B.R.A. I really don't know the rules anymore but I certainly believe you could use Cobra, Mine cost me somewhere around $550.oo a month, but the cost is very dependent upon what kind of plan your former employer has. I would certainly check into what kind of cobra plan your former, or soon to be former, employer has.
My name ain't Keith
|
|
|
Re: Health Insurance at 62
[Re: andrews1958]
#6988185
09/11/20 05:13 PM
09/11/20 05:13 PM
|
Mark June
Unregistered
|
Mark June
Unregistered
|
Donna and I have Medi-share, the Christian plan, and cut our premiums from >$1200/month with United Health Care to $500 and change.
|
|
|
Re: Health Insurance at 62
[Re: andrews1958]
#6988232
09/11/20 06:43 PM
09/11/20 06:43 PM
|
Joined: Nov 2014
Posts: 1,922 east central WI
Dirty D
trapper
|
trapper
Joined: Nov 2014
Posts: 1,922
east central WI
|
I'm the same age, The Wife and I pay approx $400/month for both of us. We use Liberty Health share.
$1000 deductible for ea
I've had no issues with it.
Last edited by Dirty D; 09/11/20 06:45 PM.
|
|
|
Re: Health Insurance at 62
[Re: andrews1958]
#6988239
09/11/20 06:59 PM
09/11/20 06:59 PM
|
Joined: Dec 2006
Posts: 21,539 Sandhills Nebraska
Gary Benson
trapper
|
trapper
Joined: Dec 2006
Posts: 21,539
Sandhills Nebraska
|
My oldest Son and his wife are also on a Christian health care plan which is very reasonable. They seem to like it. I'm in the same boat but I have less than a year to go! I'm stubborn so I'm wingin' it. It also depends on state to state. I checked with some outfit that sent me some mail and they said there's just nothing available in Nebraska!
Life ain't supposed to be easy.
|
|
|
Re: Health Insurance at 62
[Re: Gary Benson]
#6988301
09/11/20 08:54 PM
09/11/20 08:54 PM
|
Joined: Dec 2006
Posts: 11,165 Central NC
traprjohn
trapper
|
trapper
Joined: Dec 2006
Posts: 11,165
Central NC
|
It also makes a yuge difference when you tell them you're paying cash.....no insurance involved. YES! When I was self employed we only had major medical only for big disasters. When you tell a Dr office “self pay” the bill is reduced as much as 75%. ie for an eye exam it went from $140 down to $40 since they don’t have to wait 3-6 months for payment from insurance companies, paperwork and that labor is much reduced too.
|
|
|
Re: Health Insurance at 62
[Re: MChewk]
#6988436
09/12/20 08:09 AM
09/12/20 08:09 AM
|
Mark June
Unregistered
|
Mark June
Unregistered
|
Great post! Mark can you tell us more about Medishare? I hear the commercial all the time have you had any claims yet? Not to get personal but is the $1200 for each of you? Thanks I don't mind sharing MChewk. Yah, that $1200 a month for UHC was for Donna and I and I am 8 years older than she is, and that price was from 2 years ago when I hit 60. Can't even imagine what it is now. The Medi-share is not deemed "insurance" per se, so as such they are required to pay for all manner of procedures that all "universal" insurances must cover by Omama Law (and other) mandates. We pay a monthly contribution (premium) to the plan, and if the medical provider accepts to bill through PHCS (Physician Health Care Systems" - the nation's 2nd largest network - than the office bills Medishare directly, or else you would pay out of pocket. Our doctors use PHCS so they bill normally. Medishare sends the doc/hosp $$$ just as insurances do. That's the simple version. Now Medicare is only for members who affirm a general Christian statement of faith, who do not smoke, and who understand the program doesn't cover abortion, prescriptions, sex-change procedures, and other medical procedures that have helped drive the cost of medical care sky high. I'm not getting a sex change, so I'm ok with that. Insurances are required by law now to pay for all manner of "stuff' that not only do we not have faith (literally) in, but I don't want to help pay for. Medi-Share has been around 25 years and has never defaulted as part of all us Christians sharing each others bills. Oh and importantly, all new members must declare any major co-morbid or "bad" health conditions, and their major health condition may not be covered for a period up to a year. This maintains the integrity of the plan for all members. In other words, if I was just diagnosed with cancer, and I need major medical care, I can't just sign up for a few hundred bucks, have MS pay for a $100,000's of my care, and then when I'm finished with my docs... I drop off. That's deemed "plan shopping," it's done all the time, and it's guarded against, and we appreciate that. Donna and I have no major medical conditions, as we've been blessed and have tried to take care of our bodies all our lives. Now, when we get older and the wheels are falling off for some, we're still humming pretty well. While my buddies were drinking, smoking, and doing all manner of whatever in our younger days, I was working and trapping and now I'm still working (seminary is much better!) and trapping. Hope to always keep that rhythm, Lord willing! We also are part of the Carrington 500 network for discounted rates at dentists and vision plans. I use the dental and it has saved a bunch. Any other questions, let me know. We really like it and so does our oldest son and his family. Our monthly household portion (premium) just went up a bit to something like $550. I bet UHC would be $1550 or more!! Blessings, Mark
|
|
|
|
|