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Old 11-27-2014, 06:45 PM   #1
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Health Insurance

Any suggestions on health insurance for a 62 year old male ? I have retirees insurance and deductible is going up and out of pocket to.
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Old 11-27-2014, 06:51 PM   #2
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I have the same thing, but at me being 59 on disability and my wife on the policy it is $992 per month. I need to get something less expensive too. I am going to be following this thread.
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Old 11-28-2014, 10:14 AM   #3
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Wheeling it has some interesting info on Health Care which is specific to full timers....Wheeling It | Living the Fulltime RV Dream with 12 Paws, 40 Feet and the Open Road. You can also do a search (top right side of the page) entering Health Care. Lots of info there as well.....Good luck, it looks a bit confusing.
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Old 11-28-2014, 10:25 AM   #4
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A lot depends on where you live in regards to plan costs, coverages, available Drs. etc. Here in SC for my wife and me, both about your age, do not qualify for federal subsidies, thus we will be paying in the neighborhood of $1,261 a month for care, with high deductibles, and high copays of we go outside of the primary network of service providers.


Some states have lower premiums, more competition, so check with a local insurance broker, or Healthcare.gov and browse around. You don't have to enter any personal details to check it out.
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Old 11-28-2014, 10:28 AM   #5
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Try a private insurance "exchange" such as the Tower-Watson One Exchange at OneExchange Private Health Insurance Exchange - Towers Watson

An "exchange" is basically an online shopping tool that finds policies that meet your needs from a variety of insurance providers. Much easier than DIY web surfing through dozens of insurers and hundreds of plans. With OneExchange you specify your medical needs and preferences, including things like trade-offs of co-pay vs premiums and your prescription drug usage and they find plans that fit, showing comparisons and premiums.

That said, you are probably still going to be unhappy with the premium costs of good coverage. If your health is pretty decent, you can trade higher co-pays & deductibles for lower premiums, but if you or the wife use medical care on an ongoing basis, you won't want to do that and the costs is staggering.

Does your company retirement offer an HRA (Health Reimbursement Arrangement) in lieu of using a company plan? That would let you tailor your insurance coverage to your specific needs and still get assistance with the premiums.
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Old 12-06-2014, 11:14 AM   #6
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I have same problem wife's keep going up if you are a vet and pretty health you can get it for nothing.
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Old 12-06-2014, 01:44 PM   #7
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If you're retired and have health insurance thru your company, the chances are your ex-employer's paying part of your premium. It's going to be the best you can do.

Thankfully I had a Retiree Healthcare Savings Plan where I paid into the program and my employer matched me 50%. I had enough money to pay my share of the premium from age 58 until I was 63 years old.

For those on social security disability, they can get Medicare after two years and purchase a supplement to parts A&B and D on the open market for a reasonable fee. The problem is living through 2 years without health insurance coverage. It's like walking a tightrope, since there are already health situations that caused you to be disabled.

You could always go on OBamacare, but who can afford a $3K or $4K deductible?

You may really not have an option.
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Old 12-06-2014, 04:40 PM   #8
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Just be thankful for the AHC Act. My wifes insurance with BSBS of Fla went from $96 a month to $234 a month, to being dropped (plan did not meet the act we are told) to a quote of $619 a month.
Thanks for the AHC Act
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Old 12-06-2014, 05:10 PM   #9
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Had a similar issue as I'm a retiree and my wife is under my expensive COBRA plan. We needed to keep her on it as we had already met much of the out of pocket due to her recovering from lymphoma cancer.

I will be joining a health share program coming the first of the year. Rather than try to explain how it all works I will provide a link for you so you can review it for yourself.

It does meet Obama Care requirements and you can see the doctor you want, where you want, and when you want.
Home - Liberty HealthShare

Hope this helps!
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