Health Insurance

[Croton]

Hi, I need some one (not a salesperson) out there to sit down with me and explore my health insurance options, maybe help me make a spreadsheet. I'm 70 but don't have the 40 Social Security quarters in and rely on the group insurance from my former place of employment. There are so many options and I can't wrap my head around it all. But the over $700. a month just can't go on much longer. Thanks. Linda 523-3361

[poetrytalks]

Hi, I need some one (not a salesperson) out there to sit down with me and explore my health insurance options, maybe help me make a spreadsheet. I'm 70 but don't have the 40 Social Security quarters in and rely on the group insurance from my former place of employment. There are so many options and I can't wrap my head around it all. But the over $700. a month just can't go on much longer. Thanks. Linda 523-3361
Hi,
check out this link. You can qualify for medicare and even receive social security based on your spouse's credits even if you're divorced. If you don't have spouse, after age 65, you can pay for medicare. It should be less than $700 a month.
https://www.aarp.org/health/medicare-insurance/info-04-2011/medicare-eligibility.html

You can also call Social Security for clarity on medicare.
Good luck!
Sher

[Aldo El Hefe]

This is an AARP scam.
If an individual works 40 quarters paying into their FICA account which is Social Security and Medicare, Medicare part A is free because one has already been paying their taxes all their working life for it (around 2.4 percent of their yearly income if they are self-employed.
Medicare part B has a premium of about $110 per month which varies year by year.
Medicare part D is around $35 per month. Both Medicare part B and D do have co-pays and other limits.
I would never sign up for any private insurance Medicare supplement called Medicare Advantage offered by AARP, Kaiser or any other private insurance corporation. A private Medicare Advantage plan costs an additional $95 per month for nothing and is a waste of money. Don't be scammed, your monthly premiums should be around $145 per month for Medicare part B and D, and part A you have been paying for all your working life.
One more important thing, a person can also apply for Medi-Cal if they have a lower income of under around $17,000 per year, which has no co-pays or deductibles, and the rules have changed as of Jan. 2014 because of the ACA, a person can own a house and vehicles now. Keep in mind that many small business owners struggling in this tanked economy often end up with an adjusted gross income (AGI) after deductions of under $17, 000 per year, even if they net $50,000 per year.


Hi,
check out this link. You can qualify for medicare and even receive social security based on your spouse's credits even if you're divorced. If you don't have spouse, after age 65, you can pay for medicare. It should be less than $700 a month.
https://www.aarp.org/health/medicare-insurance/info-04-2011/medicare-eligibility.html

You can also call Social Security for clarity on medicare.
Good luck!
Sher