New health insurance
 

I must preface my post with "I have no dog in this fight". My husband and I have Golden Rule Health Insurance through United Health Care as we are not old enough for Medicare yet. We signed up for this 3 years ago when we first moved here. I did research on the Internet and through recommendations from people on this forum this is what we chose. Over the past 2 years, either our deductible would go up or our premiums would go up. We now have a 10,000 deductible, which in essence means catastrophic health insurance coverage only. This insurance covers next to nothing that we use when trying to stay healthy. Just this week, we received a notice that the premiums were once again going to increase by another 100.00 per month. Feeling fed up with paying an astronomical amount of money for nothing, I went on line to research health insurance. I gave a very brief amount of information on line and the next day I received 6 phone calls from insurance people. So I decided to take the bait and schedule a few people to come and tell us what insurance may be Better for us. We are so glad we did! A very nice young man, Marlon, came to our home and gave us the run down on USHealth Ins. This is NOT part of the ACA. He was very thorough and not pushy at all. The benefits of this coverage far outweighs our coverage with Golden Rule. We have decided to switch to USHealth. For all of you out there who are tired of paying for nothing, please do yourself a favor and call Marlon for an appointment to hear about this insurance. As I said, I didn't know about this insurance before and did not know Marlon. We were just lucky to have him educate us on this insurance and so glad we did! Please PM me If you would like more information or here is his number.....813-215-3006

Too important to be overlooked
 

It seemed that I just posted this thread just under 2 hours ago and then the threads were consolidated. I think this could be very helpful and important information and I would like people to see it. Adorable Health insurance for those of us under 65 is hard to find. I hope this helps at least one person.

I have two friends looking. Thanks for the info.

George

Excellent post Happinow.
Only one question...I was hoping for affordable health insurance..but I guess adorable health insurance is close. :)

It's cute too!
 

:a20:

Lol....the silly auto correct!! I knew someone would pick up on that. At least it's good for a laugh....

When the OP stated that the insurance in not part of the ACA I looked up the company. This company's policies are not in compliance with the minimum coverage to count as being health insurance, in other words what has been labelled "junk" insurance. If you have this policy you must indicate on your taxes that you do not have health insurance and will be subject to the penalty for being non-insured. Read the policy very carefully, understand what it does not cover, what happens in an expensive or prolonged illness and why the premium is low. You are getting a cheaper cost for a reason.

Or you could just ignore it...it could be the premium is low because she doesn't have coverage she doesn't feel she needs.

With all due respect, with the ACA you are paying for coverage that we as retirees don't need. This new coverage doesn't include maternity or mental health. Just an example of what we currently pay for with Golden Rule. As far as a penalty....the penalty is so low for not having a policy that is compliant with the ACA that even if we had to pay that we are still so far ahead of the game. USHealth, for us, is a much better coverage for our needs. Everyone's needs are different. I wouldn't poo poo it until you've spoken to a representative and obtained all of the facts. Health insurance is a personal choice and it is what will work for us. I simply wanted to reach out to those who didn't qualify for Medicare yet because health insurance for us is extremely expensive and I found a better plan for less money. I can't answer all questions because I'm not an expert, however, someone representing this insurance can. You have to make your own choices, but for us it was head and shoulders better than what we currently have.

Happinow - Have you researched how many doctors/specialists/hospitals in the area of the Villages accepts your new coverage?

Thank you, Happinow, for your post. There are many of us out there in the same boat that need this type of information. We are still in PA and the insurance system, as you know, is different from state to state. We're looking forward to moving to The Villages full-time in the next year or 2, but affordable healthcare options is a big concern for us. Thanks for starting this discussion and being willing to share the specifics of your journey!

Many would call it "junk" to force us 60-year-olds to buy coverage for maternity and birth control pills that cost $12/mo. at Target.

The ACA helped allow my wife to retire a few years earlier than she could have done without it. The cost for ACA was less than 1/2 of what COBRA would have cost, which runs out in 18 months. We are not rich, so I guess that helps. If we were better off financially, I guess it would have cost more.
We were told by an insurance agent that ACA would cost more than COBRA would. He was so ignorant, he would not even run the numbers, I will not name him, but he sells a lot of insurance in The Villages.
We went online and found it easy to sign up and get a good policy. It doesn't cost anything to check out and a lot of people may get a surprise.

I simply just shudder when dealing with the health insurance market

Thank you for starting this thread. My wife and I are 62 and 63 and currently paying $1200. a month for coverage with a $7200. deductable while Healthcare stocks are soaring and CEO pay is obscene . The cost of health care is the problem. When it cost $600. for a cortizone shot we have a problem. Now I'll get off my soap box and do a little research on your insurance supplier. Thank you again.