sweetpeasmom
Pearl Clutcher
Posts: 2,713 
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Post by sweetpeasmom on Jun 7, 2024 22:10:24 GMT
If you don't have employer based insurance, who do you have? Do you use someone from the exchange? A sharing plan? Other?
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Post by essiejean on Jun 7, 2024 22:22:23 GMT
I am interested as well as I am hoping to retire when I hit 60 - which means I need something for health care coverage until 65. Will be following this thread closely.
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Post by lisae on Jun 7, 2024 22:34:11 GMT
BCBS from the exchange though the price for me is the same either way. I once checked to see if I could buy something without going through the marketplace and there was no difference in the offerings and price at that time. The income limits have been raised so it is worth going through the marketplace to see if you can get some tax credit. It is more than income, you can't have access to insurance any other way.
I had BCBS before the ACA as well. It's expensive for sure with a high deductible. When I was young, I never thought I'd look forward to turning 65.
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snyder
Pearl Clutcher
Posts: 4,351
Location: Colorado
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Post by snyder on Jun 8, 2024 1:52:40 GMT
I am interested as well as I am hoping to retire when I hit 60 - which means I need something for health care coverage until 65. Will be following this thread closely. If you have insurance through your current employer, when you retire, you are able to get COBRA insurance. You will pay full price for it, but it is usally a little bit cheaper than the market or any other outside health insurance. May draw 18-36 months depending on your situation. |
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Post by mikklynn on Jun 8, 2024 13:25:41 GMT
I went to an insurance broker, Breitenfeldt, based in Minnesota. I'm sure there are similar groups all over. They looked at my medical history and helped me select the best option. I used UCare (again, Minnesota), until I turned 65. I switched to BCBS at that point.
Because I was healthy, I chose a high deductible plan. It did still cover preventative care, but if I broke my arm or something, it had an $8,000 deductible.
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Post by Merge on Jun 8, 2024 18:02:09 GMT
BCBS from the exchange though the price for me is the same either way. I once checked to see if I could buy something without going through the marketplace and there was no difference in the offerings and price at that time. The income limits have been raised so it is worth going through the marketplace to see if you can get some tax credit. It is more than income, you can't have access to insurance any other way. I had BCBS before the ACA as well. It's expensive for sure with a high deductible. When I was young, I never thought I'd look forward to turning 65. One hopes that Medicare will still be a thing when we all turn 65. |
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Post by lisae on Jun 8, 2024 21:42:39 GMT
BCBS from the exchange though the price for me is the same either way. I once checked to see if I could buy something without going through the marketplace and there was no difference in the offerings and price at that time. The income limits have been raised so it is worth going through the marketplace to see if you can get some tax credit. It is more than income, you can't have access to insurance any other way. I had BCBS before the ACA as well. It's expensive for sure with a high deductible. When I was young, I never thought I'd look forward to turning 65. One hopes that Medicare will still be a thing when we all turn 65. My concern is that traditional supplements will go away for new participants. I haven't decided whether I want to do a traditional supplement or a Medicare Advantage plan but I'd like the option. DH has a supplement with a zero deductible which I don't think you can get anymore. It's expensive but the coverage is comprehensive. |
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iowgirl
Pearl Clutcher
Posts: 4,319
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Post by iowgirl on Jun 9, 2024 0:17:30 GMT
BCBS. Self employed - so it is a big dinger. Whew. We have a very high deductible and no prescription coverage, no eye or dental. We basically have the insurance as a catastrophic coverage plan. If something really bad happens, we will be glad we have it.
We met our deductible a couple years ago when DH wrecked his arm and had to have multiple surgeries to put it back together (damn cows). But generally so far we never have much need for it.
I did ask the doc once if we could get a 'stitch card' - a couple freebies after every 10th stitch. He thought that was funny. I tried to talk our vet into doing them. Her husband has her stitch him up and he says hers are the neatest!
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Post by marie on Jun 9, 2024 2:51:32 GMT
I have a plan through the marketplace, Ambetter. It has an 8k deductible and covers a wellness visit and mammogram as part of the preventative care.
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