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Just need a push to end this work thing!

Brian Trommater

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So tired of this long commute and working with heavy metals. I am 59 1/2. I found this health plan I can afford. Have 3 years to collect SS. Plan on using 1/2 savings and half 401K to cover that. Then with what left of savings, IRA and SS after that. Just give me a push!

Capture.PNG
 

jcam222

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What’s the $2850? Is that the deductible? What is 40%? Is $174 the monthly premium? Hell thats leas than I pay for my plan at work.
 

Brian Trommater

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Well just call Doctor and they don't accept that plan. Guess need find another doc?
 

MJB05615

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That looks like a great insurance deal Brian. The only question I have is the 40% Coinsurance. Does that mean they only cover 40%? Or do you need additional insurance? M MJB05615 also pushes Brian Trommater Brian Trommater
 

Brian Trommater

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Pay 40% of all bills after $75 until reach $2850. $930 tax credit a month claiming $25000 income.
 

MJB05615

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Pay 40% of all bills after $75 until reach $2850. $930 tax credit a month claiming $25000 income.
Then that sounds like a pretty good deal. I've been looking over insurances for my Son and his Wife as they just had a baby Girl and need it. This definitely looks good. Did you check their list of Doctors in their network?
 

Brian Trommater

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Then that sounds like a pretty good deal. I've been looking over insurances for my Son and his Wife as they just had a baby Girl and need it. This definitely looks good. Did you check their list of Doctors in their network?
Fairly small list. Most nurse Practitioner's. Probably a reason Doctor's don't take this. I probably should to to a health insurance agent. Just who?
 

DanMcG

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It looks to good to be true, and you know what they say..
 

MJB05615

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Yeah, that's usually the problem. Finding a reputable agent is tough. If you have an Auto agent you know and trust, ask them if they could recommend someone. Otherwise, my Son found United Healthcare to be the lowest price with a lot of doctors that take it. Don't know if it would work for you, but it was almost half the price of what we've found so far.
 

chopsaw

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Fairly small list. Most nurse Practitioner's. Probably a reason Doctor's don't take this. I probably should to to a health insurance agent. Just who?
Do you have insurance thru your work now ? If yes , talk to your benefit department . They might help you with some of this .
 

Brian Trommater

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Yeah, that's usually the problem. Finding a reputable agent is tough. If you have an Auto agent you know and trust, ask them if they could recommend someone. Otherwise, my Son found United Healthcare to be the lowest price with a lot of doctors that take it. Don't know if it would work for you, but it was almost half the price of what we've found so far.
Looks like they don't have any polices that use tax credit here. My dream is dripping away.
 

Brian Trommater

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All the affordable heath care in my area the providers pretty limited. Using a Nurse Practitioner might not be a bad thing. Need find out more about Specialist and Hospitals.
 
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So tired of this long commute and working with heavy metals. I am 59 1/2. I found this health plan I can afford. Have 3 years to collect SS. Plan on using 1/2 savings and half 401K to cover that. Then with what left of savings, IRA and SS after that. Just give me a push!

View attachment 471589
Sorry Brian but the advantage plans are garbage and you give up ALL Medicare benefits. It looks like a halfway decent price but as you discovered drs won’t take it (most anyway) and the potential out of pocket expense is bankruptable.
 

daspyknows

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I am basically retired. Covid and cashing out of some real estate made it happen. In California we have Covered California which is the ACA and enough options so all good. Paid 90% for ambulance and med expenses and is a few hundred a month. Feel lucky about all of it.
 

MJB05615

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All the affordable heath care in my area the providers pretty limited. Using a Nurse Practitioner might not be a bad thing. Need find out more about Specialist and Hospitals.
If you don't have any serious health conditions, and normally don't go to the Doctor that often, the Nurse Practitioner is probably good. If you find good ones like bregent bregent said.
 

chef jimmyj

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The Physician Assistants and Nurse Practioners I've had the last 20 years have been Great! Not rushed like the Dr's and since they are not getting Kick Backs from the Insurance company for with holding service and limiting Tests, they do whatever it takes to diagnose and fix or manage my problems...

Don't forget...Come Jan 20 2021, no matter what happens, there will be changes to Health Insurance...JJ
 

Brokenhandle

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The Physician Assistants and Nurse Practioners I've had the last 20 years have been Great! Not rushed like the Dr's and since they are not getting Kick Backs from the Insurance company for with holding service and limiting Tests, they do whatever it takes to diagnose and fix or manage my problems...

Don't forget...Come Jan 20 2021, no matter what happens, there will be changes to Health Insurance...JJ
Yep, that is what has me concerned, not having a clue about what is gonna happen. Being self employed makes a huge difference on getting health insurance.

I'll just give ya a gentle nudge Brian...hate to have ya fall and have a pre existing health condition! :emoji_blush:
Wish you the best of luck in whatever you decide.

Ryan
 

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