Other big question to ask is if you'll have a group or single health care insurance policy. If you have a single health care policy and never use it, then I guess it would work OK. If you use it for anything major, good luck on what your rates will be for the following year, and the year after that, and so on. If you don't like it good luck on finding another provider.
Worst thing is for all of the early out types you also happen to be in that age group of the most often major illnesses (heart, cancer, etc...)
When we're down south for the winter I see mostly Medicare aged US citizens in the snowbird parks, and also younger(plus older) Canadians. I'm guessing it's directly based on the health care cost issue.
* This post was
edited 03/13/12 07:16am by John&Joey *
nina_70 wrote: Being healthy and young(ish) we've found this to be the best compromise for us. We only pay $150/mo (combined for both of us)
Deal! We pay almost $230. What's you're residency?
South Dakota.
When we became full-timers it was a bit of a toss-up between SD and TX. SD won out on the insurance rates.
Wow - we pay $500/month for a $10K deductible for two of us in Oregon! Is your carrier nationwide? (I assume yes, since you said you're FTers.) Does SD have the right to turn people down for health insurance? (Oregon can deny people based on very little; Texas can deny body parts - i.e. back or breast.) Thx!
We had the same situation when we started F/T. I had Medicare,
and my wife was not yet eligible. Took a policy from AARP to
cover her and I took their Medicare Supplement policy. Worked
out well for us. Policy is underwritten by United Health Care,
but only available through AARP.
Check with Costco. They just started offering health insurance in a limited number of states.
We have a small business and have group insurance for the two of us. High deductible helps keep the cost down.
Suzanne and Brad wrote: Texas can deny body parts - i.e. back or breast.) Thx!
Now that is scary!
When we looked into becoming SD residents the health insurance costs were much higher than TX.
It's so hard to compare rates because it all depends on your pre-existing conditions. It's all up to the insurance company. My rate could be higher than someone else my age because I've had some accidents, surgeries and hospitalizations over the last 12 years. Grrr.
Wow - we pay $500/month for a $10K deductible for two of us in Oregon! Is your carrier nationwide? (I assume yes, since you said you're FTers.) Does SD have the right to turn people down for health insurance? (Oregon can deny people based on very little; Texas can deny body parts - i.e. back or breast.) Thx!
We don't have any prior's so I can't comment on the right to deny.
I DO think it's important to shop around for insurance when you're setting up full-time residency. SD happened to be the cheapest for us, but for others TX may be cheaper or even FL. It all depends on your individual situation.
Wow - we pay $500/month for a $10K deductible for two of us in Oregon! Is your carrier nationwide? (I assume yes, since you said you're FTers.) Does SD have the right to turn people down for health insurance? (Oregon can deny people based on very little; Texas can deny body parts - i.e. back or breast.) Thx!
DH's GA employer just switched over to Coventry Healthcare. It's a high deductible plan, too. He gets a free annual physical, (they come to his jobsite) & then rates are based on his #'s.
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