hi,
i just posted our introduction on the "hi, i am" board and we already have our first question. i'm 59 and wife is 57. my date is 6/30/07; her's is a year or so later. we both have employer health insurance so can either cobra for 3 years and/or go private policy and/or state (california) high risk pool for a couple of years until medicare. i talked to an agent about private insurance and he was not very encouraging. i want to know if what he told us sounds credible to members here.
we are healthy. for the past twenty years our vacations have been two or three week self supported bicycle tours to new zealand, france and all over the u.s. we get annual physicals. she is taking fosamax for a mild case of osteopenia (sp?) and i take flomax for enlarged prostate, 10mg of paxil for anxiety and half a 10/40 vytorin for cholesterol. the agent went to bc and bs and presented us as a hypothetical. one said wife would be declined for sure and i would be a 50% rate-up and the other said i would be declined and she would be a 50% rate-up. he said our only hope is to cobra to the max and then go high risk pool at $2000 per month. i believe we could get rid of all the meds except maybe the flomax but is it necessary to do so? i don't want to start a health insurance rant so please don't go there. from what i have read here and at other early retirement sites it seems like we should not be uninsurable based only on these meds. does what we are being told ring true with the members of this board?
thanks for being here, grateful
i just posted our introduction on the "hi, i am" board and we already have our first question. i'm 59 and wife is 57. my date is 6/30/07; her's is a year or so later. we both have employer health insurance so can either cobra for 3 years and/or go private policy and/or state (california) high risk pool for a couple of years until medicare. i talked to an agent about private insurance and he was not very encouraging. i want to know if what he told us sounds credible to members here.
we are healthy. for the past twenty years our vacations have been two or three week self supported bicycle tours to new zealand, france and all over the u.s. we get annual physicals. she is taking fosamax for a mild case of osteopenia (sp?) and i take flomax for enlarged prostate, 10mg of paxil for anxiety and half a 10/40 vytorin for cholesterol. the agent went to bc and bs and presented us as a hypothetical. one said wife would be declined for sure and i would be a 50% rate-up and the other said i would be declined and she would be a 50% rate-up. he said our only hope is to cobra to the max and then go high risk pool at $2000 per month. i believe we could get rid of all the meds except maybe the flomax but is it necessary to do so? i don't want to start a health insurance rant so please don't go there. from what i have read here and at other early retirement sites it seems like we should not be uninsurable based only on these meds. does what we are being told ring true with the members of this board?
thanks for being here, grateful