 If you have life insurance? |
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 My Dad died, leaving his government pension for my mom (who died shortly thereafter). Can I get this money? |
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| I work for a non-profit organization and HR just recently enrolled me in a Accidental death & life insurance policy after almost two years of working there. HR stated that they simply forgot to ... |
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| I took 20yrs Money-back policy for 1 Lac.After every 5 yrs i get 5000.For my LIC what is the surrender value.?... |
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 Life insurance policy? |
| have been married to a man with 3 children from a previous marriage two of his own and one adopted.Three months ago i received a notification from his life insuerer company that although i am my ... |
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 I am a college Student with no health insurance....? |
| I am transferring so there is no sense in getting it at my school, and the new school doesn't offer it. My parents just have family health plus and if they send in my income,my whole family wont ... |
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 Clueless-- Please help! What kind of life insurance does my husband need to buy? He is an ironworker.? |
| which is kind of a dangerous job. And if something were to ever happen to him he wants to make sure that the house would get paid off and I would be able to continue to stay at home with our kids for ... |
|
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| I know that home owners insurance covers jewelry but if I wanted to insure my ring separately, at what rate of the ring's appraisal amount is the yearly payment for insurance?... |
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 What is the best company to buy term life insurance? |
| I'm trying to find a company to purchase term life insurance. I want a good brand and not some scam. Thanks to anyone that replies.... |
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| My home sustained some damaged due to a snow fall back in december. I didn't file a claim back then and now that I got some shingles damaged due to strong wind i would like to file a claim. I ... |
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| We live in charleston SC, he tried to plead not guilty and question the cop (idiot) and the judge told him he couldn't question him at all, but the same method did work in another county in SC, ... |
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Taylor B | Are there any (non-employer) health insurance options for early retirees? |
My husband and I would love to plan for early retirement in a few years - the one obstacle seems to be health insurance. Neither of our employers provide health insurance after leaving the job (no matter when.) We will be in our late 50's (in a few years when we would like to retire) and have one 10yo child - could relocate if necessary after retirement. From what I've been reading it looks like family heath insurance costs are over $1000 per month! Any advice or direction is greatly appreciated!! |
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Zarnev
 |
Depending upon your health status and location you should be able to get a good comprehensive policy for less than $1000 per month.
AARP writes their health insurance through United Health, which is a very good company and certainly worth a look. However, the policies have fewer benefits than most and the premium is nearly the same. You should visit a local independent agent. This person knows the market in your area and can compare the different plans (AARP included) and can suggest several plans that would be best for your situation.
Medicare is not available until you reach 65 unless you've been disabled for 2 years. |
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Linda W
|
Most of your major insurance carriers offer plans for familys or individual major medical policies. THey are not cheap, but not anywhere near the figure you mentioned.
AARP is another option, they have a decent plan. At the age of 62, you will be eliglble for medicare coverage. THis will always be your primary coverage. You do need a subsidary though. A lot of the premium cost is estimated by pre existing conditions and health risks such as smoking or drinking. My job discontinued my health insurance when I retired, so now I am with United Healthcare with an individual policy. That is the company I had at work, they offered me a policy when I was in the retiring process. Might want to check with who you are with now, it is possible they will carry your family after you retire. |
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kj
|
AARP is one option. You can become a member when you become 50. I don't know what the cost is but I doubt it's THAT much. |
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zapf1423
 |
Consider this option.
Ameriplan Health covers an entire household for $59.95 and includes Medical care, Dental care, Vision, Chiropractic and Prescription.
Because Ameriplan Medical care is not insurance:
No waiting period. you can go to the doctor the same day you receive your membership activation letter.
No pre-authorization for treatment.
No exclusions on laboratory procedures.
No paperwork and no insurance companies to deal with.
Instant savings.
all specialists included, where available.
All ongoing medical problems are accepted.
Cosmetic surgery included, where available.
No deductible.
Ancillary services included, such as physical therapy, lab services, imaging centers, hearing service and diabetic supplies.
No age limit on medical treatment. Includes newborn to geriatric care.
You can change physicians whenever you want.
Here's the site for more details.
http://www.everyonebenefits.com/cgarc... |
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Barkley Hound
|
I wish I had advice. I am retired and there is no way I could afford health insurance. I am glad that I am qualified to use the VA.
AARP does not have real health insurance. It is just a daily supplement if you go to the hospital.
California offers a guaranteed minimal health insurance for people who have been turned down by other companies. If you have preexisting conditions that may cause you to be rejected that is an option. |
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Rick
 |
I help families in your situation all day long. You are correct your premiums are going to be high. There is a way to help off set the high premiums AND save money for future medical expenses.
You can probably get into a $6,000 family deductible Health Savings Account (HSA) qualified plan for around $700 a month. I would recommend that you put away a minimum of $350 additional per month into an HSA. This way you are prefunding your deductible on a tax free basis. You can pay for your qualified medical expenses with your HSA funds while you are in your deductible period.
Your biggest issue is making sure you can qualify for individual medical plans. Depending on where you live, you are subject to underwriting - and depending on your health status, you can be turned down by insurance carriers. |
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Mohamed Ali
|
If you are an Indian by origin, or even a foreigner living in India/abroad and if you are willing to relocate to Chennai or anywhere in India after retirement Please contact me. I have best Health insurance Options for you. You can have a Health Cover until your age 80. This plan will even pay 25% for non-allopathic treatments too.
For a Sum Insured of Rs.5,00,000/- for all the three members of your family you will be paying Rs.14,399/-only per year
if the oldest member in the family is less than 55 years and
Rs.18,820/- if the oldest member in the family is between
55 -60 years.
A.Mohamed Ali,
Chennai- 9840070694.
mali_starinsurance@yahoo.co.in |
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