ShokWaveRider
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
I got to thinking that most FiRED folk have to pay some kind of Self Funded HealthCare Insurance Premiums. It may be fully private, or ACA.
This post is is aimed at those of us caught in the "Donut Hole" between Early Retirement and Medicare Eligibility (Whatever Age to 65).
Things have changed a little with the ACA and Mandatory coverage for Pre-Existing conditions, no extra cost for certain diagnostics etc. So I thought it would be useful to get a cross section of numbers to compare.
This would not apply to our honorable Veterans who get the well earned VA care, or those who have a fully or partially funded Healthcare package from their Previous Employers Etc. Only those who have to bear the healthcare burden themselves.
I will start with what I consider to be the important information and numbers for 2016, please advise if I missed something important.
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2 People Married, Non Smokers, one with pre-existing conditions. All numbers for in plan services, all doctors we use were covered.
Male: 62
Female: 57
Monthly Premium for both of us together: $1,360.11 ($341 After ACA subsidy)
GP Office Visit CP: $5
Specialist CP: $25
Co-Insurance: 30% of Certain Services (Plan Pays 70%)
Max OOP Single: $2,250
Max OOP Family: $4,500
State: Florida
Coverage: All States in USA (Emergencies)
Travel Insurance: Extra as needed
This post is is aimed at those of us caught in the "Donut Hole" between Early Retirement and Medicare Eligibility (Whatever Age to 65).
Things have changed a little with the ACA and Mandatory coverage for Pre-Existing conditions, no extra cost for certain diagnostics etc. So I thought it would be useful to get a cross section of numbers to compare.
This would not apply to our honorable Veterans who get the well earned VA care, or those who have a fully or partially funded Healthcare package from their Previous Employers Etc. Only those who have to bear the healthcare burden themselves.
I will start with what I consider to be the important information and numbers for 2016, please advise if I missed something important.
--------------------------------------------------------
2 People Married, Non Smokers, one with pre-existing conditions. All numbers for in plan services, all doctors we use were covered.
Male: 62
Female: 57
Monthly Premium for both of us together: $1,360.11 ($341 After ACA subsidy)
GP Office Visit CP: $5
Specialist CP: $25
Co-Insurance: 30% of Certain Services (Plan Pays 70%)
Max OOP Single: $2,250
Max OOP Family: $4,500
State: Florida
Coverage: All States in USA (Emergencies)
Travel Insurance: Extra as needed
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