Luck_Club
Full time employment: Posting here.
- Joined
- Dec 5, 2016
- Messages
- 733
What am I missing?
Ages 51 & 52 - So long way to medicare and need to provide insurance. So we don't qualify and wont qualify for subsidies. We have no pre-existing issues, and are relatively healthy. After endless dealing with fake websites, that don't provide quotes, and confusing "agents". We have weaned it down to 3-4 basic options in Florida:
1) ACA high deductible plan @roughly $13,284 per year Max out of pocket approximately $21,184. Max benefit assumed to be about $1-2 million, with typical $25 well visits.
2) United Health Temporary insurance @ $5236 per year Max out of pocket $10,236.26. Max benefit is $2 Million, and you pay for everything from dollar 1 up to $5,000. Needs to be renewed every 12 months.
3) Defined benefit plan (cignet & united health) @ roughly $8760 per year and capped benefits. Some of the caps appear to restrictive, and put the risk for expensive stuff on you. Like heart bypass surgery, strokes and cancer. You know the kind of stuff you really want to insure against. Positive is no new renewal every year.
4) health ministries - approximately $6,000 per year, but I'm cautious due to the fact I like a drink in the evening, so they are off the table in my eyes.
I'm leaning heavily towards the second choice, understanding I will only be able to keep the plan for 34-36 months with some annual frustration to re-enroll. I also understand that should an event happen while on the plan, I will need to go on the ACA the following year, unless new options are available.
Am I missing something or is it obvious given the situation 2 would be the best choice? Anyone out there see a plan that has a high benefit, that doesn't require an annual renewal and risk of being dropped?
Ages 51 & 52 - So long way to medicare and need to provide insurance. So we don't qualify and wont qualify for subsidies. We have no pre-existing issues, and are relatively healthy. After endless dealing with fake websites, that don't provide quotes, and confusing "agents". We have weaned it down to 3-4 basic options in Florida:
1) ACA high deductible plan @roughly $13,284 per year Max out of pocket approximately $21,184. Max benefit assumed to be about $1-2 million, with typical $25 well visits.
2) United Health Temporary insurance @ $5236 per year Max out of pocket $10,236.26. Max benefit is $2 Million, and you pay for everything from dollar 1 up to $5,000. Needs to be renewed every 12 months.
3) Defined benefit plan (cignet & united health) @ roughly $8760 per year and capped benefits. Some of the caps appear to restrictive, and put the risk for expensive stuff on you. Like heart bypass surgery, strokes and cancer. You know the kind of stuff you really want to insure against. Positive is no new renewal every year.
4) health ministries - approximately $6,000 per year, but I'm cautious due to the fact I like a drink in the evening, so they are off the table in my eyes.
I'm leaning heavily towards the second choice, understanding I will only be able to keep the plan for 34-36 months with some annual frustration to re-enroll. I also understand that should an event happen while on the plan, I will need to go on the ACA the following year, unless new options are available.
Am I missing something or is it obvious given the situation 2 would be the best choice? Anyone out there see a plan that has a high benefit, that doesn't require an annual renewal and risk of being dropped?