What Health Insurance You Have? Do You Like Them

[Smart Red]

That does seem upside-down logically for it to cost more for something you may not need than for housing. I don't see how that situation will be viable for very much longer.

So many are getting supplemented health insurance. Even those can't afford to use the insurance after the huge deductibles are paid.

 

[Rhodie Ranch]

Just a few more years, and we'll be able to get medicare.

 

[Nyboy]

What age does it start ?

 

[Smart Red]

While you can elect to take Social Security as early as 62, Medicare is 65 unless you qualify for handicapping reasons, then Medicare (or Medicaid) is available at any age, I believe.

 

[Nyboy]

Oh that is 14 years away

 

[journey11]

My dad's cancer was on what they call a "compassionate allowance" list, so he was very quickly approved for Social Security Disability Insurance (although the first payment won't come until the end of September, 6 months later.) He just turned 61. They said two years until he can get Medicare, so he is buying private insurance until then. We'll keep his good insurance that he had through his employer at least until the end of this year. I'll need to figure out if there is a better option for the second year. He just came off FMLA where he was paying his portion of the premium out of pocket. $309/month was not too bad. Now under COBRA he'll pay that plus the employer portion too. They still haven't given me an amount, but I expect it will be at least double. He did not qualify for Supplemental Security Income, which is a small stipend for disabled people who pretty much have nothing to their name other than house, car and less than $2000 in the bank. With SSI, they get Medicaid right away, regardless of age. All these years of paying into Medicare and he'll be lucky to be around long enough to get it.

 

[Chickie'sMomaInNH]

a warning on the 'Affordable' care plans, there is limited coverage when you go outside of you home state on most of those plans. some states also have them limited to HMO plans which means you are restricted to the Dr/hosp in their network & with their permission. i've fielded too many calls from Dr/Med centers that the 1st thing they ask is if it is an 'affordable' care act plan.

check with you state dept of insurance & see if there are any insurances licensed to sell to individuals in your state.

 

[journey11]

a warning on the 'Affordable' care plans, there is limited coverage when you go outside of you home state on most of those plans. some states also have them limited to HMO plans which means you are restricted to the Dr/hosp in their network & with their permission. i've fielded too many calls from Dr/Med centers that the 1st thing they ask is if it is an 'affordable' care act plan.

check with you state dept of insurance & see if there are any insurances licensed to sell to individuals in your state.

I was talking to 2 of my friends at church the other evening who are teachers. Their insurance has downsized to something similar, although it is still PEIA. We live near the border of OH and KY, but they can't get care across state lines unless it is preapproved and deemed necessary. For no more than they pay teachers in this state, they should at least give them excellent insurance.