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Originally Posted by Ohiogirl
on age and community. If you are a Florida resident you need to disclose that to the agent; otherwise a claim could be denied down the road. I just switched to my (new) husband's retirement health insurance - not much cheaper but lower deductible and allows me to also get dental and vision under his coverage.
I was paying $341/mo thru Aetna AARP, $5,000 deductible, $7,500 out-of-pocket, with Rx coverage and doctor visit co-pays. It was quoted higher, but inexplicable was lowered 3 or 4 mos. later (perhaps Aetna was making over the 20% profit? - not sure if that part of the Affordable Care Act is activated yet). Aetna did not provide an explanation.
Health insurance (private policies) is age and community-banded. 60-64 is my age range. No pre-existing conditions. They do check your medical records - seem able to check Rx records right away and they will ask questions. It is underwritten. The pre-existing condition clause (no higher premium under the ACA) does not take effect until 2014.
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I was paying $386 for the same thing through Blue Cross of Michigan, an individual policy for people with pre-existing condition. It was the only thing available in MI for pre-existing condition (by law, each state has to have one health insurer offer that, I believe). I could have paid $700/mo for the same sorts of coverage but lower deductible I took a chance. I think I started that at 62. Now I'm 65 and Medicare has taken over.
The policy covered me anywhere, including out of the country, which we were at the time.