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Originally Posted by Dreamer61
We are looking to retire early since my husband has been diagnosed with PD recently. One problem we're looking at is a lapse of insurance coverage for him for approximately 3 years until he can receive Medicare. The other problem is that I am only 51 so when he retires I lose my ins. Coverage from his employer also. I'm aware of the huge insurance premiums that may be too expensive for us to afford. Any advice or thoughts would be appreciated!
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With your husband's PD, Option 1 - I would recommend calling Pre-Existing Condition Insurance Plan, a new health coverage option created by the Affordable Care Act. 866-717-5826 or check out the website
www.pcip.gov. He may have to be without coverage for 6 months and there is no guarantee he will get coverage.
Option 2 - In October, there will be open enrollment for the 2014 Affordable Care Act for coverage effective Jan 1, 2014 for people with pre-existing conditions that cannot be denied. There will be the health care exchange run by the government and also a private insurance option. I do not know what the cost will be at this time for either.
I am an insurance agent for health insurance for those under 65 and those on Medicare needing supplements and prescription drug plans. If I can be of assistance, please send me a private email or call me at 352-347-6780.
I am an insurance agent and can help you if you like.