Getting medical insurance
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Getting medical insurance
  #1  
Old 01-06-2017, 08:43 PM
CountryGirl63 CountryGirl63 is offline
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Default Getting medical insurance

Hello just moved in to the Villages. Can anyone advise me on where a 53 year old can get medical insurance that doesn't cost an arm and a leg? I had full coverage insurance when I was working, but I had a stroke in June of last year and haven't been able to work since so I no longer have medical ins. Any advise on where I should go or where to look?

Thank You!

  #2  
Old 01-07-2017, 01:51 PM
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villagetinker villagetinker is online now
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Try calling SHINE or going to their website: SHINE - Home. This organization helps seniors with health related questions, with NO bias. Good luck on your quest, I am certain nothing will be cheap or even reasonable, and with a prior condition you may be in for additional premiums.

And of course to really make matters interesting the new administration wants to kills Obamacare.............
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  #3  
Old 01-07-2017, 02:00 PM
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golfing eagles golfing eagles is offline
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Quote:
Originally Posted by CountryGirl63 View Post
Hello just moved in to the Villages. Can anyone advise me on where a 53 year old can get medical insurance that doesn't cost an arm and a leg? I had full coverage insurance when I was working, but I had a stroke in June of last year and haven't been able to work since so I no longer have medical ins. Any advise on where I should go or where to look?

Thank You!
When you separated from your employer were you aware of COBRA coverage?
  #4  
Old 01-07-2017, 07:55 PM
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VillagerNut VillagerNut is offline
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The only individual health care plan that I have been able to find in the state of Florida is Blue Cross Blue Shield. It is not reasonable in my opinion.
  #5  
Old 01-07-2017, 08:48 PM
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Nucky Nucky is offline
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SHINE is a group of volunteer people who are very knowledgeable and I just met with them yesterday. See the link on Villagetinkers post. They will come up with an answer to question and probably have a way out that we don't even know about. They really do care about helping you. Best of luck to you.
  #6  
Old 01-08-2017, 09:14 AM
villager99 villager99 is offline
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when i had to explore insurance options for the gap between my cobra coverage period and eventual medicare coverage as part of my disability eligibility(at age 51). i found the village insurance agents to be extremely helpful. as i was also transitioning from residency in maine to residency in florida.
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  #7  
Old 01-08-2017, 09:22 AM
RickeyD RickeyD is offline
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Quote:
Originally Posted by CountryGirl63 View Post
Hello just moved in to the Villages. Can anyone advise me on where a 53 year old can get medical insurance that doesn't cost an arm and a leg? I had full coverage insurance when I was working, but I had a stroke in June of last year and haven't been able to work since so I no longer have medical ins. Any advise on where I should go or where to look?

Thank You!
You have till the last day of this month to open enroll with one of the ACA plans.
Get 2017 health coverage. Health Insurance Marketplace | HealthCare.gov

Many plans to choose from and depending upon your reportable income you may qualify for a subsidy.

Good Luck !
  #8  
Old 01-08-2017, 10:25 AM
retiredguy123 retiredguy123 is online now
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Quote:
Originally Posted by villagetinker View Post
Try calling SHINE or going to their website: SHINE - Home. This organization helps seniors with health related questions, with NO bias. Good luck on your quest, I am certain nothing will be cheap or even reasonable, and with a prior condition you may be in for additional premiums.

And of course to really make matters interesting the new administration wants to kills Obamacare.............
Isn't it illegal to charge an additional premium for a prior condition?
  #9  
Old 01-08-2017, 12:33 PM
Boomer Boomer is online now
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Quote:
Originally Posted by CountryGirl63 View Post
Hello just moved in to the Villages. Can anyone advise me on where a 53 year old can get medical insurance that doesn't cost an arm and a leg? I had full coverage insurance when I was working, but I had a stroke in June of last year and haven't been able to work since so I no longer have medical ins. Any advise on where I should go or where to look?

Thank You!

Quote:
Originally Posted by RickeyD View Post
You have till the last day of this month to open enroll with one of the ACA plans.
Get 2017 health coverage. Health Insurance Marketplace | HealthCare.gov

Many plans to choose from and depending upon your reportable income you may qualify for a subsidy.

Good Luck !

Hi CountryGirl63,

RickeyD's suggestion here could be your best bet. You might want to start there (hurry).

And certainly, check all the ideas from others who have offered help here for finding coverage. (But please make sure to check RickeyD's link, right away, if you have not already done so.). SHINE might be able to offer some direction, too. I don't know anything about SHINE but if villagetinker says it is good, it must be. (That guy is always helpful and gives good advice.)

It sounds like you have faced great difficulty. You might find a support group in TV for those who have experienced a stroke. I don't know for sure but you might want to check on that, too, as you get settled into TV life. (just a thought)

Kind wishes to you as you go forward.

Boomer

Last edited by Boomer; 01-08-2017 at 12:50 PM.
  #10  
Old 01-08-2017, 01:35 PM
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villagetinker villagetinker is online now
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Quote:
Originally Posted by retiredguy123 View Post
Isn't it illegal to charge an additional premium for a prior condition?
OK, I am not an expert in this, but I do have first hand knowledge for people 65 or over and coming back to Medicare from MA plan, and I was told, 'if you have an pre-existing condition there are health questions and the answers are used for underwriting the Medicare supplemental plan premiums'. So based on this experience, I assumed there would be similar conditions on health insurance for people under 65.

The condition that I think you are referring to is when you initially turn 65 and go on Medicare and a supplemental plan, then there is no additional charges for pre-existing conditions.

This is my limited understanding of a very complicated system, hence the reason I suggested using SHINE as they provide UNBIASED info on the health system.
Hope this helps.
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