Early retirement and medical insurance - Page 4 - Fiberglass RV


Closed Thread
 
Thread Tools Search this Thread Display Modes
 
Old 08-31-2016, 12:42 PM   #43
Senior Member
 
Roger C H's Avatar
 
Name: Roger
Trailer: 2009 Trillium 1300 "Homelet"/2014 Subaru Outback "Rosie"
Washington
Posts: 2,170
Registry
Unhappy Insurance

Quote:
Originally Posted by Donna D. View Post
No Medicare anything for me yet and I'm paying COBRA rates for the next 14 months. Any insurance is better than no insurance because if you get seriously ill (every day is a gift), everything you have ever worked for goes out the window in very short order.


Stay well, eat well and exercise. Keep your heads out of the clouds and more down to earth. Your physical future may depend on it.
Don't be without it. While in Henderson, NV in the middle of February, I became ill, passing out. The doctors didn't know what caused what, but I had Acute kidney injury; Anemia; Coronary Artery Disease; Critical illness myopathy; Dysphagia, (difficulty swallowing); Hypertension (High blood pressure); Hypokalemia, (Low potassium); Ileus; Pneumonia; Rhabdomyolysis, (muscle breakdown); and Supraventricular tachycardia (rapid heartbeat).
I was in the hospital emergency room, regular room, ICU, from February 19 until March 9. I don't remember much of what went on since I was in an induced coma for 10 days. Then I transferred to the rehab unit for therapy, where I was until finally released April 6 when we had to fly home. Our son flew down and drove our rig back to Washington.
Nearly half a million dollars spent. I felt fine and didn't want to go to the hospital, but my wife could see that I wasn't fine. I am still recovering and have increased my daily walking distance to 1.5 miles which is part of my therapy. It was a life-changing experience.
So, don't be without insurance. One day I felt fine and the next I was down for the count.
__________________

__________________
A charter member of the Buffalo Plaid Brigade!

Whether you think you can or think you can't, you're right.
Roger C H is offline  
Old 08-31-2016, 08:03 PM   #44
Senior Member
 
Name: bill
Trailer: 2013 Escape 19
North Carolina
Posts: 403
Quote:
Originally Posted by Scamper Jim View Post
Sid,

That $50,000 for 5 years of medical coverage starting in 4 years may be on the real optimistic side. $50,000/60 months = $834 per month premiums for husband and wife. I know some couples who are paying over a $1,200 a month right now.

Take the COBRA and you may want to delay retirement or find a job that has at least some insurance coverage at that time. It would be real nice to have that $50,
+100 I think your estimate is off the charts overly optimistic.

My wife and I pay over $1300 per month, with NO dental and NO vision (and a big deductible). Our premiums have been going up a minimum of 10% a year.

Lets see, four years from now, we will be paying close to $1800 per month.

And we are still five years away from Medicare.

Non-smokers, excellent health.

Its by far our largest single expense, nothing comes anywhere close.

No pension, retired early, all based on "estimates" on how expensive stuff like medical insurance was going to get.
__________________

__________________
thrifty bill is online now  
Old 09-01-2016, 05:30 AM   #45
Senior Member
 
honda03842's Avatar
 
Name: Norm and Ginny
Trailer: Scamp 16
Florida
Posts: 7,298
Roger, Did they ever find the cause of your problems?

Sent from my SM-N920T using Fiberglass RV mobile app
__________________
Norm and Ginny

2014 Honda Odyssey
1991 Scamp 16
honda03842 is offline  
Old 09-01-2016, 08:19 AM   #46
Senior Member
 
Name: JD
Trailer: Scamp 16 Modified (BIGLY)
Florida
Posts: 1,023
I am 68.5 and my wife turns 65 in October.
Currently I work full time and have good insurance for both of us.
Since our policy meets the requirements for not having to start the Medicare insurance part ? we don't have any Medicare coverage.
My question is when should we apply for the coverage?
The company policy covers us pretty well and I can see each policy fighting among themselves to have the other pay.
Does anyone have any thoughts on this?
I plan to work for another 18 months until I am 70 and max out my SS benefits.
I think the extra 32 % might come in handy on a fixed income, but wh knws if I can make it the next year and a half.
__________________
redbarron55 is online now  
Old 09-01-2016, 08:36 AM   #47
Senior Member
 
Ellpea in CA's Avatar
 
Name: Ellpea
Trailer: Bigfoot
California
Posts: 870
Registry
Quote:
Originally Posted by redbarron55 View Post
I am 68.5 and my wife turns 65 in October.
Currently I work full time and have good insurance for both of us.
Since our policy meets the requirements for not having to start the Medicare insurance part ? we don't have any Medicare coverage.
My question is when should we apply for the coverage?
The company policy covers us pretty well and I can see each policy fighting among themselves to have the other pay.
Does anyone have any thoughts on this?
I plan to work for another 18 months until I am 70 and max out my SS benefits.
I think the extra 32 % might come in handy on a fixed income, but wh knws if I can make it the next year and a half.
Red, I just posed your question to my health insurance guru daughter. But wanted to share that my husband worked well past retirement, was insured by his company and also by Medicare. Companies are required by law to insure all employees equally in spite of age, etc., and this includes Medicare coverage. Therefore, Medicare is your secondary insurance. He was treated for lymphoma for severral years (very costly). The company covered most of this, and Medicare also covered much of what was left.

So, in our experience the two do not duke it out, they seem to play together nicely and to your benefit.
__________________
Ellpea in CA
1988 13.5' Lil Bigfoot
2002 Volvo V70 (turbocharged)
5 cylinders, 5 speed auto transmission
Ellpea in CA is offline  
Old 09-01-2016, 09:20 AM   #48
Senior Member
 
Mr Lynn's Avatar
 
Name: Lynn
Trailer: 2013 Casita Spirit Deluxe 17, purchased from original owners May, 2016
Massachusetts
Posts: 322
Quote:
Originally Posted by Ellpea in CA View Post
Red, I just posed your question to my health insurance guru daughter. But wanted to share that my husband worked well past retirement, was insured by his company and also by Medicare. Companies are required by law to insure all employees equally in spite of age, etc., and this includes Medicare coverage. Therefore, Medicare is your secondary insurance. He was treated for lymphoma for severral years (very costly). The company covered most of this, and Medicare also covered much of what was left.

So, in our experience the two do not duke it out, they seem to play together nicely and to your benefit.
It's called 'Coordination of benefits', and in most cases, if you have private insurance, Medicare would be 'secondary', meaning they would pay after the primary insurance. See here:

https://www.cms.gov/Medicare/Coordin...ary-Payer.html

/Mr Lynn
__________________
"The Molded Fiberglass Obsession"—From a Pickup Cap to a Casita

"Hillbilly at Harvard"—Honky-tonk Country and Bluegrass
Mr Lynn is offline  
Old 09-01-2016, 10:54 AM   #49
Senior Member
 
Civilguy's Avatar
 
Name: Mike
Trailer: Sold 2012 Casita FD 17 - 2018 Escape 21 on Order - 2010 Audi Q5
Puget Sound, WA
Posts: 508
Registry
Quote:
Originally Posted by Mary F View Post
It's difficult to discuss health insurance in the USA without getting into the politics of it - not impossible, but difficult.
Regardless of which party is in office, I make it a point to be completely supportive whenever they are right, and to keep quiet the other 95% of the time.
__________________
- "Character is what you do when nobody’s looking." -
Civilguy is offline  
Old 09-02-2016, 08:45 AM   #50
Senior Member
 
Jon in AZ's Avatar
 
Name: Jon
Trailer: 2008 Scamp 13 Std
Arizona
Posts: 5,213
Registry
Early retirement and medical insurance

Quote:
Originally Posted by Civilguy View Post
Regardless of which party is in office, I make it a point to be completely supportive whenever they are right, and to keep quiet the other 95% of the time.
Ever the optimist, eh?
__________________
Jon in AZ is offline  
Old 09-02-2016, 10:36 AM   #51
Senior Member
 
Carl Pa's Avatar
 
Name: Carl
Trailer: 2014 16 scamp side dinette/Rav4 V6 Tow pkg.
Pennsylvania
Posts: 437
Quote:
Originally Posted by Jon in AZ View Post
Ever the optimist, eh?
__________________
Carl Pa is offline  
Old 09-07-2016, 01:17 AM   #52
Senior Member
 
Roger C H's Avatar
 
Name: Roger
Trailer: 2009 Trillium 1300 "Homelet"/2014 Subaru Outback "Rosie"
Washington
Posts: 2,170
Registry
Smile Cause

Quote:
Originally Posted by honda03842 View Post
Roger, Did they ever find the cause of your problems?

Sent from my SM-N920T using Fiberglass RV mobile app
The doctors never stated a cause, but since I read that Phoenix was experiencing a run of pneumonia at the time, I suspect that that was the original cause.
__________________
A charter member of the Buffalo Plaid Brigade!

Whether you think you can or think you can't, you're right.
Roger C H is offline  
Old 09-09-2016, 09:32 AM   #53
Senior Member
 
Name: Mark
Trailer: currently shopping
Missouri
Posts: 184
I have believed for a long time that the entire medical costs and health insurance business is a huge scam that is dragging down the middle class in this country. Everything from the $12 box of tissues in the hospital, the unnecessary tests to increase the bill on insured patients, the pharmecuedical costs with sales reps knocking down serious $$, the insurance companies making record profits, to even the hospital employees. A friend of mine with a high school diploma, hired on at a hospital as an aide, gets certified in this and that but no college degree, and now knocking down $80K per year when I know for a fact that she barely made it out of high school. Personally, I went to the doctor for another reason but mentioned I also have sleep apnea. He wants to give me a $1200 sleep study test (out of pocket with my deductible) when I know what sleep apnea is, have had others tell me that I stop breathing in my sleep, I have all the symptoms, and yet I have to spend $1200 for doc to tell me what I already know. Same thing with a common cold or sinus infection - I have to pay $75 for an office visit to be told what I already know so I can get my prescription of antibiotics.


I don't know if Obamacare works or doesn't work, is good or bad, but at least somebody tried something to fix the system. It is a shame in this country that the cost of health insurance is the biggest obstacle to someone retiring. It is a shame that the majority of us are one catastrophic illness or injury from the poor house. It is a shame that I will have to spend 30-40% of my monthly pension on one month's insurance cost.


I have no problem with doctors making lots of money. I appreciate that they are more intelligent than 99% of the people. But it is the other people in the entire medical/insurance business that are making a fortune on a system that designed to make money ahead of treating the sick and injured.

The USA needs universal free health care, but big business will never allow it.
thank you for allowing me to vent.
__________________
Missouri Mark is offline  
Old 09-09-2016, 10:07 AM   #54
Senior Member
 
Name: JD
Trailer: Scamp 16 Modified (BIGLY)
Florida
Posts: 1,023
The US has the highest health care cost of any industrialized nation and ranks around 27th on the quality of that expensive care.
Something is not right when an MRI costs at least 10 times more here than in France (the leaded in quality 5th in cost).
I suspect the profit based medical system may have a little to do with it.
The Epipen "scandal" and others point to the problem.
The CEO has to justify her $18,000,000.00 salary somehow and no one will notice the cost going up a couple of hundred per cent.
I think it is time for a single payer system, but the clout the health industry has it would be unlikely.
__________________
redbarron55 is online now  
Old 09-09-2016, 10:14 AM   #55
Senior Member
 
Name: Mark
Trailer: currently shopping
Missouri
Posts: 184
We are no longer a democratic republic as a nation. Big money and lobbyists control this country and politicians. WE THE PEOPLE no longer exist.
__________________
Missouri Mark is offline  
Old 09-09-2016, 10:44 AM   #56
Senior Member
 
Denece's Avatar
 
Name: Denece
Trailer: Compact II
California
Posts: 312
Registry
It isn't so much the doctors and nursing staff getting rich. It is the fact that your health insurance is a publicly traded commodity. All those stockholders expect to make a profit. All those insurance company employees need to be paid, and well. And if there is anything left it goes to provide care
The reason we don't have single payer care has more to do with money equaling political influence than anything else
Single payer would stop the gravy train for a lot of leeches on the system. And they wouldn't like that


Sent from my iPhone using Fiberglass RV
__________________

__________________
Denece is offline  
Closed Thread

Tags
parkliner


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Medical Issues and Fulltiming PMWIZARD Fulltiming in a Molded Fiberglass Trailer 3 08-05-2012 08:47 AM
Affordable medical Mike Magee Jokes, Stories & Tall Tales 0 09-28-2011 05:56 PM
Medical coverage while travelling... Wayne Hill Money Matters 3 01-10-2011 10:27 AM
Medical Emergency RonMayo General Chat 7 04-23-2007 06:08 PM
Medical insurance in Canada vs US Legacy Posts General Chat 8 08-09-2003 10:05 PM

» Upcoming Events
No events scheduled in
the next 465 days.
» Virginia Campgrounds

Reviews provided by

Our Communities

Our communities encompass many different hobbies and interests, but each one is built on friendly, intelligent membership.

» More about our Communities

Automotive Communities

Our Automotive communities encompass many different makes and models. From U.S. domestics to European Saloons.

» More about our Automotive Communities

Marine Communities

Our Marine websites focus on Cruising and Sailing Vessels, including forums and the largest cruising Wiki project on the web today.

» More about our Marine Communities


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 07:58 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.