How to buy medical insurance personally?
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"I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!
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No need to do that, Griff. Mine is staying unless management removes it. :elephant:'em if they can't take a joke and joke'em them if they can't take a :elephant:!
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"I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!
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recently I am fed up with my fulltime job and want to retire soon. so I start to think about one question: how to buy a good medical insurance personally? I have UNH now.
diligent hands rule....
Go to the medical marketplace (www.healthcare.gov). Consider contacting an application counselor. The one I used last year was excellent. My oldest daughter, in another state, has an excellent broker, so ask around.
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It's a fact - the US is the only developed country without a public health service, and it's medical costs are ridiculous as a result, because they charge what the insurance companies will pay. And they just put the premiums up to cover it. Just the ambulance cost apparently averages out $100 per mile! :omg: I really don't understand why Americans seem to think it's a good system, when the rest of the world takes care of the health needs of all citizens rather than just the richer ones.
"I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!
The US has public medical care, but primarily for seniors (Medicare), the poor (Medicaid), and veterans (VA hospitals). But the costs have reached the point where medical tourism is now becoming a thing: Americans traveling abroad for non-urgent care. There are a number of countries (Mexico, Panama, Thailand, India, and others) where private clinics charge a third of what you'd pay in the US but where care is just as good (with doctors often trained in the US). Medical care in those countries is predominantly private, so not having a public system can't explain US costs. Some of the major factors are very high malpractice insurance (a legal system run amok), the physicians' guild (routine things that only doctors are allowed to do), and medical insurance being a non-taxable benefit for employees but a tax deduction for employers (which encourages no one to try to control prices), and care not being rationed by wait times (I've been waiting over two months to book an appointment with a specialist in Canada, and having lived in the US, I'd still take their flawed system hands down).
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The fox knows many things, but the hedgehog knows one big thing. -
It's a fact - the US is the only developed country without a public health service, and it's medical costs are ridiculous as a result, because they charge what the insurance companies will pay. And they just put the premiums up to cover it. Just the ambulance cost apparently averages out $100 per mile! :omg: I really don't understand why Americans seem to think it's a good system, when the rest of the world takes care of the health needs of all citizens rather than just the richer ones.
"I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!
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Southmountain wrote:
I have UNH now.
If you like them, give them a call and see if they'll give you a quote for a policy that's similar to what you have now.
"the debugger doesn't tell me anything because this code compiles just fine" - random QA comment "Facebook is where you tell lies to your friends. Twitter is where you tell the truth to strangers." - chriselst "I don't drink any more... then again, I don't drink any less." - Mike Mullikins uncle
it is easy to call, but I doubt their service people understand my question.
diligent hands rule....
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[Removed by me as it may be considered as trolling] It wasn't intended that way, so ... it's gone.
"I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!
from OG's input, now I know it is absurd question...
diligent hands rule....
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The US has public medical care, but primarily for seniors (Medicare), the poor (Medicaid), and veterans (VA hospitals). But the costs have reached the point where medical tourism is now becoming a thing: Americans traveling abroad for non-urgent care. There are a number of countries (Mexico, Panama, Thailand, India, and others) where private clinics charge a third of what you'd pay in the US but where care is just as good (with doctors often trained in the US). Medical care in those countries is predominantly private, so not having a public system can't explain US costs. Some of the major factors are very high malpractice insurance (a legal system run amok), the physicians' guild (routine things that only doctors are allowed to do), and medical insurance being a non-taxable benefit for employees but a tax deduction for employers (which encourages no one to try to control prices), and care not being rationed by wait times (I've been waiting over two months to book an appointment with a specialist in Canada, and having lived in the US, I'd still take their flawed system hands down).
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The fox knows many things, but the hedgehog knows one big thing.it seems like I can only buy private medical insurance now.
diligent hands rule....
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Go to the medical marketplace (www.healthcare.gov). Consider contacting an application counselor. The one I used last year was excellent. My oldest daughter, in another state, has an excellent broker, so ask around.
this is affordable act...
diligent hands rule....
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it seems like I can only buy private medical insurance now.
diligent hands rule....
Probably so, if you don't fall into the categories that I mentioned and don't work for a company that provides medical insurance as a benefit. When I lived in the US, I chose insurance with a fairly high deductible ($12K), but I don't know if that's still possible under this Obamacare nonsense.
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The fox knows many things, but the hedgehog knows one big thing. -
recently I am fed up with my fulltime job and want to retire soon. so I start to think about one question: how to buy a good medical insurance personally? I have UNH now.
diligent hands rule....
from google I find one hopeful link. Now I have very good ideas on when to retire.
diligent hands rule....
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It's a fact - the US is the only developed country without a public health service, and it's medical costs are ridiculous as a result, because they charge what the insurance companies will pay. And they just put the premiums up to cover it. Just the ambulance cost apparently averages out $100 per mile! :omg: I really don't understand why Americans seem to think it's a good system, when the rest of the world takes care of the health needs of all citizens rather than just the richer ones.
"I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!
OriginalGriff wrote:
I really don't understand why Americans seem to think it's a good system, when the rest of the world takes care of the health needs of all citizens rather than just the richer ones.
I think most Americans agree, but the partisan divide is so great nobody can agree on a better one
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it is easy to call, but I doubt their service people understand my question.
diligent hands rule....
Service people no, salespeople yes.
"the debugger doesn't tell me anything because this code compiles just fine" - random QA comment "Facebook is where you tell lies to your friends. Twitter is where you tell the truth to strangers." - chriselst "I don't drink any more... then again, I don't drink any less." - Mike Mullikins uncle
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it seems like I can only buy private medical insurance now.
diligent hands rule....
"retiring" if you's old enough, there may be help. I'm on Medicare, I checked online for the supplement, $15 - $20 a month. ( No drugs, in good health. ) Then checked the Tri-County office on aging. They have people who can help and a good database. Result, I pay $0 ( Well gotta pay some for Medicare part B. ) for the "advantage plan". If you are old enough, ( or nearly, get on medicare 3 (?) months before that birthday ) look for something similar.
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recently I am fed up with my fulltime job and want to retire soon. so I start to think about one question: how to buy a good medical insurance personally? I have UNH now.
diligent hands rule....
I'll assume you're in USA#n for this. I was in the same situation last year, couldn't take the idiocy any longer. Caveat: not sure how this varies state-by-state, can only write of my experiences. Check and see if you're covered by COBRA, that might be a pretty good option. Allows you to continue your current coverage. Of course, you have to pick up the employer's contribution too. Next, see if your state has an exchange website. Supposing you're going to have a lot less income in 2022, the ACA provides for some pretty decent credits. I'd say the coverage isn't anything special, but should get your through for a decent-ish price. If going the exchange route, might talk with your county's Health & Human Services-type folks, and see if there are brokers for the exchange in your area. They know better how to navigate the muck & mire of the exchange, might be a little easier for you if you don't want to deal with that. Of course, we're just coming into the sign-up period, so those people might be hard to get time with. Good luck, I hope you find something acceptable. P.S. I kind of suspect Griff was right, even though I didn't get to read his OP.
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recently I am fed up with my fulltime job and want to retire soon. so I start to think about one question: how to buy a good medical insurance personally? I have UNH now.
diligent hands rule....
As with anything else: it depends… :) Looks like you’re in the US., so it’ll depend on what state you’re in, how much you have in assets, and how old you are. If you’re 65 you’ll need to apply for Medicare. If you have no assets and are under 65 you may be able to get Medicaid. When I retired, I was under 65 and had too much in retirement savings to qualify for Medicaid, so I had to go to the healthcare exchange for my state. If your state doesn’t have it’s own exchange, then you’ll need to go to the Federal site. In my case, if I had ‘some’ income (a low amount) the state would pay part of the premium. So I draw a minimal amount from my retirement account to show some income. Again, it all depends. Good luck. It’s complicated.
Time is the differentiation of eternity devised by man to measure the passage of human events. - Manly P. Hall Mark Just another cog in the wheel
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recently I am fed up with my fulltime job and want to retire soon. so I start to think about one question: how to buy a good medical insurance personally? I have UNH now.
diligent hands rule....
Thanks to YOU getting f..ed by Obamacare, you only have three choices. Purchase grossly overpriced worthless coverage on the “exchanges”, buy whatever it is that “Christian Medishare” is, or take a corp job for a short time and use 18 month COBRA coverage-repeat. The individual market was sh..tty but usable in 2010, but was destroyed by Obamacare. I used to do what you are considering, thanks to Obamacare’s 24k premiums + $7500 deductible(in 2016)… I am now a corporate slave. I share this for anybody who believes the lie that Obamacare did anything for WORKING Americans. Good luck to you…
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Thanks to YOU getting f..ed by Obamacare, you only have three choices. Purchase grossly overpriced worthless coverage on the “exchanges”, buy whatever it is that “Christian Medishare” is, or take a corp job for a short time and use 18 month COBRA coverage-repeat. The individual market was sh..tty but usable in 2010, but was destroyed by Obamacare. I used to do what you are considering, thanks to Obamacare’s 24k premiums + $7500 deductible(in 2016)… I am now a corporate slave. I share this for anybody who believes the lie that Obamacare did anything for WORKING Americans. Good luck to you…
Be aware that that is probably over the line: read the message at the top of the page, and if I was you I'd remove that comment before someone more trigger happy than I decides it is trolling ... It's way further towards that than mine was, and some felt that was "trollish"! :-D
"I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!
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recently I am fed up with my fulltime job and want to retire soon. so I start to think about one question: how to buy a good medical insurance personally? I have UNH now.
diligent hands rule....
The exchanges are all ObamaCare. You will be bled dry. Start with Liberty Health Share and see if it is available in your state. Then do a search for "alternatives to Liberty Health Share". That should get you going. Agree on going overseas for non emergency care.
