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Old 04-25-2011, 12:39 PM   #21
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Originally Posted by Animorph View Post
I'm hoping DW dosen't retire until COBRA will carry us into "Obamacare" territory. And hoping that it isn't gutted in the mean time.

It would be nice if things were structured to allow guaranteed transfers from j*b HI to individual HI without changing insurance pool characteristics. Or if individuals got the tax break on HI instead of businesses back when I started working. The current system certainly doesn't encourage RE.
Nope, because you are a small minority, furthermore, you are dreaded rich, to be able to RE (ignore the fact that you sacrificed by saving money, etc).
Supreme court just decided not to fast track court cases on Obamacare, too bad, clarity would nice.
TJ
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Old 04-25-2011, 12:43 PM   #22
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Originally Posted by dgoldenz View Post
Where'd you get that info from? Health insurance is based on your current health at the time of application. There is a huge difference between blood pressure/cholesterol and a history of cancer/heart attack/stroke/etc. If you somehow turn things around and become healthier, get off BP/cholesterol meds, lose weight, etc, you most certainly can reapply for a lower rate.
I didn't know that, but presumed that was the case. Thats good to know and certainly should be an incentive for folks with past health issues that are reversible. Nevertheless, for me, I have retiree coverage from my former employer until medicare at 65. I am on meds for BP/Cholesterol/T2 Diabetes. The meds are very low $ (eg liscinopril, simvastatin, metformin) and coupled with eating right and exercising have kept all my readings such as BP/Cholesterol/A1C in very good shape over the past several years. However, I suspect even if I could halt the meds entirely and still have good #s, I would have a problem due to T2D diagnosis several years ago, no?
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Old 04-25-2011, 02:37 PM   #23
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Originally Posted by DFW_M5 View Post
I didn't know that, but presumed that was the case. Thats good to know and certainly should be an incentive for folks with past health issues that are reversible. Nevertheless, for me, I have retiree coverage from my former employer until medicare at 65. I am on meds for BP/Cholesterol/T2 Diabetes. The meds are very low $ (eg liscinopril, simvastatin, metformin) and coupled with eating right and exercising have kept all my readings such as BP/Cholesterol/A1C in very good shape over the past several years. However, I suspect even if I could halt the meds entirely and still have good #s, I would have a problem due to T2D diagnosis several years ago, no?
The BP and cholesterol are ok, but diabetes in combination with those will knock you out with every company I know of. For reference, diabetes w/ good control and oral meds only can get fully underwritten coverage here with Anthem, but if there are any co-morbid conditions (BP, cholesterol, overweight, etc) would be a decline.
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Disclaimer - I am an independent insurance agent. If the above message contains insurance-related content, it is NOT intended as advice, and may not be accurate, applicable or sufficient depending on specific circumstances. Don't rely on it for any purpose. I do encourage you to consult an independent agent for insurance-related advice if you have a question that is specific in nature.
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