|
02-12-2011, 08:12 AM
|
#1
|
Senior Member
Texas Boomers Club
Join Date: Jun 2010
Location: Katy, TX
Posts: 667
|
Health Ins for DW?
Didn't want to highjack the Medicare thread, but I'll be retiring soon and leaving my employer's health care coverage. I'll be going on Medicare with a supplement (Thanks all for the advice in the Medicare thread). However, DW is MUCH younger than I (emphasis added for her gratification) and will need an individual policy. We are based near Houston, TX and she is in very good health but is a smoker. My questions are:
What carrier do you use for individual coverage?
What is your level of satisfaction with them?
Is there a good resource for comparing coverage, rates, etc?
__________________
Jimmy & Tre
Katy, TX
|
|
|
|
Join the #1 RV Forum Today - It's Totally Free!
iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!
You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!
|
02-12-2011, 08:59 AM
|
#2
|
Senior Member
Tiffin Owners Club Freightliner Owners Club
Join Date: Oct 2008
Location: Merritt, BC
Posts: 3,753
|
We're in the same position. I would recommend talking with an agent as there are a lot of programs to choose from depending on your annual deductible, copay, etc selections. My wife is also very healthy and we wound up going with Anthem Blue Cross Smart Sense Plus 2000 Upgrade plan.
__________________
Bob, Sherron & Kinsey (RIP 2013-2022)
2017 Tiffin Phaeton 40QBH
2014 Jeep Cherokee Limited
|
|
|
02-12-2011, 12:11 PM
|
#4
|
Senior Member
Join Date: Dec 2007
Location: Tavares, FL
Posts: 1,652
|
Get rid of her and marry an older woman. Now actually, we found ourselves in that same spot for 3 years after we retired and got Medicare. It is going to be expensive. If she is healthy, go for a very high deductible, high copay, high lifetime max. Think of it as just protection against a major illness that could wipe you out. You will have to buy her own medicine and Dr. care (which can be negotiated by paying cash upfront) up to the deductible. If she is sick, then a regular policy is going to be real expensive. We are both cancer survivors and were paying up to $1496/month (combined). That is a real budget changer for sure. There is also a lot of state to state variation too. The political mess on health care is going to make these big deductible policies impossible to buy soon, so you might start looking.
|
|
|
02-12-2011, 01:05 PM
|
#5
|
Senior Member
Winnebago Owners Club
Join Date: Dec 2009
Location: Las Vegas, NV
Posts: 841
|
You do know that smoking is a killer? It will shoot your rates through the roof.
Sometime a white lie is okay. (older women good also).
Kerry
|
|
|
02-12-2011, 01:28 PM
|
#6
|
Member
Join Date: Jan 2011
Location: Wherever I'm parked
Posts: 92
|
She should be eligible for Cobra for 18 mos. That would mean she would continue with the coverage she already has.This might be a way to keep her covered while you look/find some coverage to meet your needs. Good luck...I am in a very similar situation and paying 970.00 for DH and myself. I haven't found anyone chomping at the bit to give coverage to us 50somethings. I will find the right policy for us though and I will share info as I glean it,
__________________
Cheryl
"The mark of success is spending an entire day on the bank of a river without feeling guilt" ~Anonymous
|
|
|
02-12-2011, 03:02 PM
|
#7
|
Senior Member
Texas Boomers Club
Join Date: Jun 2010
Location: Katy, TX
Posts: 667
|
Thanks for the replies. I'll be checking out the leads.
Now, as for as getting an older woman I REALLY can't afford that. The premiums on switching coverage from an existing woman are much, much higher than even non-deductible health coverage
__________________
Jimmy & Tre
Katy, TX
|
|
|
02-12-2011, 04:58 PM
|
#8
|
Senior Member
Join Date: Jul 2010
Posts: 416
|
Quote:
Originally Posted by two-niner
You do know that smoking is a killer? It will shoot your rates through the roof.
Sometime a white lie is okay. (older women good also).
Kerry
|
NEVER EVER lie or put any type of false info on the medical insurance application. The insurance company probably won't catch it for now. But, if you ever need an expensive procedure, they will look back at the application and go all out to find if you lied about anything. Then they can legitimately drop coverage for you just when you need it most.
|
|
|
02-13-2011, 05:55 AM
|
#9
|
Senior Member
Texas Boomers Club
Join Date: Jun 2010
Location: Katy, TX
Posts: 667
|
I'm well aware of the consequences of lying (or withholding information) on an insurance application. Health insurance claims are enough of a PIA without handing them a legitimate right to deny and cancel.
__________________
Jimmy & Tre
Katy, TX
|
|
|
02-18-2011, 03:18 PM
|
#10
|
Senior Member
Monaco Owners Club Appalachian Campers
Join Date: Nov 2007
Posts: 1,168
|
Quote:
Originally Posted by two-niner
You do know that smoking is a killer? It will shoot your rates through the roof.
Sometime a white lie is okay. (older women good also).
Kerry
|
Whatever you do, DO NOT FOLLOW THIS ADVISE. If you lie and get caught, then the insurance company can cancel your policy back to the effective date and recoup ALL CLAIMS paid on your behalf. Lying on your health app is about as bone headed advise that I've ever heard, and qualifies for the "Pinhead" award from Bill O'Reilly...
__________________
Charles and Martha*2008 Monaco Signature FMCA #F388752*GoodSam Life Member 2007 Ford Explorer - Toad
|
|
|
02-18-2011, 06:51 PM
|
#11
|
Senior Member
Join Date: Jul 2009
Posts: 114
|
I am in the same boat. I will retire from my company and immediately be on medicare with a company supplement, However my wife will continue on the company's insurance until she turns 65. I actually didn't know that until I contacted my company's benefit department. That sure saves me a lot $.
__________________
Charlie & Sherrie
Southeast Texas
'99 Southwind Storm, '10 Honda CRV
|
|
|
|
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
|
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
|
» Recent Discussions |
|
|
|
|
|
|
|
|
|
|
|
|
|