Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Underwriting
Old 08-19-2004, 07:00 PM   #1
Recycles dryer sheets
 
Join Date: Jul 2004
Posts: 173
Underwriting

I have this "fear". *I'll work hard for X years to reach ER and then I go to get health insurance and the underwriting department says, "Sure, we'll give you an individual plan, but I'm sorry all we can cover Mr. Whisper is your spleen, lower jaw and left knee. *But I think you'll be pleased with how reasonable our rates are..." *

I got that impression from the previous thread: *it sounds like most states allow vigorous underwriting so that different body parts and systems can be exluded? *Is there any solution at this time short of moving? *COBRA will only last so long you know and, from what I can tell, HSA's aren't quite here yet...
__________________

__________________
Whisper9999 is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Re: Underwriting
Old 08-19-2004, 07:37 PM   #2
Full time employment: Posting here.
 
Join Date: Sep 2003
Posts: 902
Re: Underwriting

In Iowa BC/BS and any other company that sells health insurance is required to offer a couple of plans to all without underwriting. Problem is, there is no lid on the cost. Right now the premium is over $1,500 per month for reasonable coverage for a family plan. Few can afford it.

For information about your state, try Georgetown University's site: http://www.healthinsuranceinfo.net/
__________________

__________________
Bob_Smith is offline   Reply With Quote
Re: Underwriting
Old 08-19-2004, 09:28 PM   #3
Recycles dryer sheets
 
Join Date: Jul 2004
Posts: 173
Re: Underwriting

Thx for the link.
__________________
Whisper9999 is offline   Reply With Quote
Reply


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


 

 
All times are GMT -6. The time now is 01:46 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.