Gap Health Insurance

[Guest Field Boss]

You fellows that are 65 years of age or older or going to be, what have you found to be  good choice for the gap health insurance ? And is the cost ? Thanks for sharring your findings !

[jimic]

Related to this topic.

Anyone have gap/supplemental insurance to current health care plan. 

New insurance policy's changes have the out of pocket cost getting unmanageable.Or at least uncomfortable !

[Ugly]

I'm not there yet but would look in to AMAC

http://amac.us/amac-was-founded-to-be-your-alternative-to-aarp-2

It was started to combat the current health law damage that AARP supported for their financial gain.
Best of luck Edited June 12, 2014 by Ugly

[Oh Shoot]

You fellows that are 65 years of age or older or going to be, what have you found to be  good choice for the gap health insurance ? And is the cost ? Thanks for sharring your findings !

 

Look into Blue Cross Blue Shield of TN Advantage Plans. I have the basic "Sapphire" plan and premium is very affordable: free. Just the standard Medicare deduction from Social Security.

 

Advantage plans from any carrier aren't "gap", they replace traditional Medicare entirely.

 

http://en.wikipedia.org/wiki/Medicare_Advantage

 

You do pay certain costs like $20 primary care visit,  $40 specialist visit, etc. You pay for certain tests (MRI is whopping $150) etc. But depending on your projected health needs, and assuming the doctors you like are in the HMO (all mine were, and all the big health syndicates here are), can be helluva deal.

 

Since I was paying $6K per year for individual insurance that had a $5K deductible for last 10 years, it's a dream. I can only be out of pocket for $4400 bucks in a year even if I had a heart bypass and brain transplant.

 

http://www.bcbst-medicare.com/2014/Medicare-Plans/find-a-plan/default.asp

 

(change to your county for exact details)

 

- OS

Edited June 12, 2014 by Oh Shoot

[xjsnake]

I'm not near the age range specified, but my work introduced gap insurance this year to make us less objectionable when they bent us over regarding our regular insurance. I will never use it unless I'm hospitalized for some major issue but supposedly they didn't "cut" our coverage.