My parents are looking for affordable health insurance, they want to retire any suggestions?
Sunday, June 28th, 2009 at
4:25 pm
joshua_m_carpenter asked:
My mother is 57, my Dad is 61, any suggestions?
My mother is 57, my Dad is 61, any suggestions?
Tagged with: Affordable Insurance • Dad • Health Insurance
Filed under: Health Insurance
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you can get much information in this website,stay a minute in website and check anyone link at a time,you can aslo get your answer in Google Search in this website, which has helped me alot
You can go to – they offer discount dental and medical benefits – with no waiting or age restrictions and take all preexisting conditions. They are an amazing company -you can have dental benefits for as little as $5.00 a week or medical for 10.00 a week that includes the dental. They are offering gas rebates till end of July when you sign up new benefits plan.
Visit a local agent that works with all the major companies in their area. The agent can find the best plan for their situation and budget. There is no extra charge using an agent.
Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed nor insured. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link for more information. Many other states are starting to ban these cards as well.
Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.
Yep, don’t retire.
Seriously.
Until they’re eligible for medicare, IF they are perfectly healthy, a low deductible plan is going to cost them, EACH, maybe $800 a month. If they have ANYTHING wrong with them, it will be anywhere from $1000 a month with no coverage for the stuff that’s already wrong, to unavailable.
I may be reading too much into this, but if they find the cost of individual health plans too expensive at 57 and 61, they may not be ready to retire. I think they should meet with a fee-only financial planner who has nothing to sell. They are experienced at looking at all aspects of their clients’ lives, not just insurance. Insurance people’s advice is generally limited to making a sale. The last thing they want to do is spend all their savings on health insurance, only to find out they don’t have enough left to stay retired.
I got one few days back for my family insurance. It might be helpful for you – . Otherwise check out for your local insurance companies for better results.
Good for you for looking out for your parents.
Health insurance in the US is a real mess. But there’s a pretty good article that lays out the options that are available:
Take a look. Hope it helps.