eubank
Angel Fire, NM, USA
Senior Member
Joined: 01/17/2004
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I agree with bruceandjenna: Check on out-of -area services for your health plan. I have my retiree insurance from the state (Texas), which is basically identical to the plan I had as employee. The coverage from the plan is not very good at all, now that we no longer live in Texas.
Once I turn 65 and go onto Medicare, I plan to check out non-state-provided Medicare supplement plans from other providers (AARP, etc.) that do not care which state you reside in.
Lynn
http://forum.aardvarkrv.com/blog/
Hayduke Lives!
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BB_TX
McKinney, Texas
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Joined: 04/04/2005
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mtdew999 wrote:Check this site. You can put in your stats and get quotes from several companies.
Be aware that the numbers you get are baseline numbers for an individual with NO health issues. When you actually apply and fill out their application(s), for each health issue (such as high cholestrol, high blood pressure, etc.) you get dinged with a bad mark. Each bad mark increases the quoted rates. Too many dings, and they do not accept your application.
They only want to insure those to whom they don't expect to have to pay out anything.
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DianneOK
Donnelly, ID
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Joined: 03/19/2004
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When we retired we had Kaiser...had it for 20 years prior. Once we became fulltimers and left the state we had to change....we chose BC. Kaiser would not cover us once we left CA.
Dianne
Donnelly, ID
DataStorm
HAM WB6N (Terry)
2010 Ford F350, 4x4 SRW, xcab, longbed (will not be pulling the Teton)
2005 Teton 39' Frontier Grand
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Nolan
Full-timing
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Joined: 04/15/2001
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I won't retire until I HAD health insurance from another company. Can't beleive the agents. They don't know. They can say, "Oh yeah we can cover you." But they don't know and you won't know until you fill out the forms, send them in and get the reply back from the insurance company. Of course if you can't get insuranced from any of them there is always the state's high risk pool insurance. But it's higher premiums. As for going without. To me very scary. Have heard horror stories of people losing everything, including their RV.
Nolan and JoAnn
2000 Kenworth T600. (The Little Blue Truck)
2004 NuWa Hitchhiker Champagne 33LKTG
2003 Kawasaki Nomad. The Cow. (mine)
2004 Harley Road King. The Hog. (hers)
http://community.webshots.com/user/2ontheroad
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BB_TX
McKinney, Texas
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Joined: 04/04/2005
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Also be careful of insurance agents pushing plans that do not include major medical coverage. An agent I was working thru went on and on about how great a certain plan was and how great it paid. But reading the coverage, it had a lifetime limit of only $200,000. OK for general health issues. But a major medical event could eat that up in no time. The major medical plan we got has a $2 million lifetime limit.
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marinemommy
colfax,ca
Full Member
Joined: 08/18/2003
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Thank you all...I will make sure we have coverage before we retire. You all are the greatest!
shirley kay
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