Talk of The Villages Florida - Rentals, Entertainment & More
Talk of The Villages Florida - Rentals, Entertainment & More
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Insurance for people not eligible for Medicare
I'm losing my cobra and don't qualify for Medicare for another 3 years! My husband is on Medicare and still working...to pay for my insurance
I spoke to the Multiplan PPO people but a catastrophic event could bankrupt us. Blue Cross was very helpful but the doctors I would like to see don't take Select. Any suggestions? Thanks. |
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#2
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#3
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Simple, check this out. Get 2018 health coverage. Health Insurance Marketplace | HealthCare.gov Sent from my iPhone using Tapatalk |
#4
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Shop around
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You might want to get information from AAA and from AMAC just for comparison. Medical Insurance - Long Term Care, Medicare Supplement & more | AAA Health Insurance (Under 65) - amac.us I doubt if there are many programs which give absolute protection from catastrophic events. Best wishes.
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#5
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Try Blue Cross "Options" it has a much wider selection of Doctors and Hospitals. Blue Cross "Select", and "Care" are limited
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#6
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Ask the doctors you want to see what insurance they accept and get that insurance. The most important doctor in my husband’s world is his orthopedist. We didn’t go on Advantage for several reasons, the biggest being his orthopedist doesn’t accept Advaintage. BTW, Villages Health accepts a variety of insurance plans for those not yet on Medicare.
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When all else fails, take a nap Carrie Sue Day Snelgrove |
#7
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Thanks!
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#8
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I too am "underage" like you. Had the same exact situation earlier this year.
I took the advice of one of my other underage neighbors and made an appointment with the local Florida Blue office (Blue Cross/Blue Shield). It is right off of 466. I worked with Renata Cockburn, but there are several professionals there that can take you through all your options. It was time well spent and she did a great job explaining all the available plans. It is not inexpensive and I just got my renewal estimate. Not pretty. My husband can't wait until I get older!!! Here are the details: Mid-Florida Agencies Palm Ridge Plaza (Golf Cart accessible) 11962 CR101, Suite 303 The Villages, FL 32162 Main: 352-259-0666 Renata Direct: 352-775-3336 web: www dot midfloridaagencies dot com You need to go in around sixty days before your COBRA expires to have no lapse. Call and they can give you the correct timing. Good luck! |
#9
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Be forewarned though, IT AIN'T CHEAP! We have the Blue Select and use the Villages Health Care system as our primary care providers. With the Bronze plan and a deductible level of $6,500 / yr per person, we pay over $1,400 a month. Also, remember that this is open enrollment right now until December 15th and she is very busy. It may take a week or so to get an appointment.
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Mark & Linnae Birmingham, The U.P., Saginaw, Bay City, Toledo, Columbus, Dayton & The Village of Chatham "I wish I didn't know now, what I didn't know then" -Bob Seger- |
#10
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Healthcare is a mess
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Due to a pre-existing medical condition AETNA would not sell us catastrophic insurance the bill for two of us was 18,000. Frankly, our bills were never 18,000 for a year and I wanted to SELF INSURE. Wife insisted that we pay for the insurance. WOW-I've not been in a hospital over night in 52 years. Five days in the Villages hospital was billed at just over 50,000. Aetna paid the bill IN FULL for 30,000. The whole system is NUTS. AETNA pays 30,000. If, you do not take insurance you would pay almost twice as much for the same service-50,000. We the patients also contribute to the problem and the costs. We are now on medicare. Our cost is less than half of what we paid to AETNA. There is no additional cost to see a doctor so my wife says we have paid for it so go We are still wrestling with OBAMACARE. The truth is like any other BUSINESS, those who pay pay for the THEFT by those who do not. Care is not denied to anyone. My friend has said he was denied care at a private hospital due to the fact that he has no insurance. TRUTH-he was transferred to a state hospital received open heart surgery. The surgery saved his life-he never paid for it and he has been collecting social security disability and/or welfare for the past ten years. I think of him and the others like him when I file my taxes every April. He used to laugh at how hard I worked. |
#11
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Which is why health care should be considered a right, not a privilege only for those who can afford it. Even out the playing field so no one feels left out or taken advantage of. Sent from my iPhone using Tapatalk |
#12
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As others have put some premium info out there, I will add mine for reference. I have the Florida Blue HMO plan. This is individual, NOT in the Affordable Care Act Marketplace, NOT subsidized. It is also one of the Bronze plans.
2017 Individual monthly premium $751. 2018 Estimated individual monthly premium $867. When we finished COBRA, we were not offered any continuance of coverage with our carrier, Anthem Blue Cross/Blue Shield. Florida Blue has many many plans to choose from. My earlier advice was to try to make an appointment within 60 days of your COBRA expiring. My revised advice is that if your COBRA is running out in the next three months, try to make your appointment now. It is open enrollment time, and these folks are going to get busier and busier, right up to the deadline date of December 15 to make any changes to your existing health care plan. (It is a shorter open enrollment time period this year.) They may not be able to tell you your exact premium, but they can tell you the details of all the 2018 plans as well as a best premium estimate. I would think every person who gets their renewal premium estimate is going to look hard at options available to them, to either save premium dollars or improve their coverage, for what might be a few dollars more. Don't wait! |
#13
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My wife and I both had Florida Blue after my cobra ended. I am now on Medicare and wife will Be Jan 1st. We are paying $760 for her single coverage in 2017. Two more months. Be careful and make sure you check for in network hospitals. My wife had an emergency in Feb and was sent to Shands in Grainsville due to stroke complications. No surgery was needed but was there two days. A month later I was awakened to the fact Shands was not included in my FB plan, although they did have a presence and plans there. We ended up paying $9000 out of pocket on top of our normal deductable. This entire medical industry is completely out of control. Good luck until you hit Medicare age.
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#14
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Thanks, you've been a great help.
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Closed Thread |
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